Health insurance may or may not cover your costs after a car accident in Michigan. Each accident is different and depends upon how much medical coverage your auto insurance offers.
Keep reading to learn more about using health insurance after a car accident in Michigan. Suppose you believe another party is responsible for your injuries and financial losses. In that case, it’s wise to consult a dedicated Michigan car accident lawyer to get specific answers regarding your case and options.
Does Health Insurance Cover Car Accident Injuries?
Your health insurance may cover car accident injuries depending on your choice of personal injury protection medical coverage. Often referred to as PIP coverage, Michigan recently changed from mandatory unlimited medical benefits with four options for consumers:
- Unlimited
- $250,000
- $500,000
- $50,000 for Medicaid-enrolled drivers
Your PIP medical benefits cover any accident-related injuries. Should your medical needs exceed this amount, the balance is covered by your health insurance provider. If you selected unlimited PIP medical benefits, you wouldn’t ever need to access your health insurance benefits.
What if My Health Insurance Doesn’t Cover Injuries After a Car Accident?
There are certain situations where your health insurance will not cover injuries related to a Michigan car accident. For example, many health insurance policies have what’s known as “auto accident exclusions.”
Other provisions or exclusions that could benefit your health insurer and hurt you in the long run include:
- Coverage limits
- Coverage exclusions
- Secondary payer provisions
- ERISA liens
- Job loss
These are just a few of the different exclusions that could be a detriment to you in the event of a car accident. Before you sign up for health insurance, make sure you read the fine print and make your decisions accordingly.
When Insurance Isn’t Enough After a Car Crash
If you exceed your PIP medical benefits and your health insurance won’t make the difference in treating your car accident injuries, you might want to speak with a lawyer.
Insurance companies don’t pay more than the policy limits. You might need to bring a personal injury lawsuit to pursue the compensation you deserve.
The Difference Between PIP & Health Insurance
Health and auto insurance policies are different types of insurance that you will need to purchase before you get out on the roads. Your personal injury protection coverage can allow you to choose your own health care providers and access treatments, procedures, and other medical interventions without requiring authorization first.
With health insurance, your doctor may need to get your health insurance company’s approval before giving you the medical care you need.
Contact a Michigan Car Accident Lawyer Today
Do you have concerns that your health insurance will not cover your injuries after a Michigan car crash? Don’t get stuck with the bill. To ensure the at-fault party pays and for help pursuing all the compensation you deserve, reach out to an experienced Michigan car accident lawyer at Davis Injury Lawyers, PLLC.
Our firm is proud to offer free, no-obligation consultations across the state of Michigan. Take advantage of this opportunity today. Call 313-462-7979, or use our online contact form to get started.