Does Health Insurance Pay For Car Accident Injury? MN Lawyer


Our car accident attorneys are frequently asked if health insurance will pay for medical bills if the injury is caused by an auto accident.  The answer is yes and no. When you are injured in a car accident in Minnesota, your auto insurance comes with No-Fault coverage that will pay for up to $20,000 in medical bills.  Your car insurance by law is required to pay your medical bills from the accident before your health insurance or medical insurance pays anything.

Who Pays Medical Bills for Car Accident
Who Pays Medical Bills for Car Accident

However, this does not mean your medical insurance doesn’t have to pay for any medical treatment after a car accident. If your medical bills exceed $20,000, your health insurance has to pay the rest. This is true even if the injury was caused because of a car accident, and even if the other driver was at fault.  Your medical/health insurance may have the right to “subrogation” to get repaid out of any future car accident settlement you receive from the other driver’s auto insurance, but they still have to pay the bills initially.


There are also many cases where the auto insurance refuses to pay for medical bills because they claim the treatment was not necessary or there was a pre-existing condition.  In cases where your car insurance refuses to pay the medical bills, your medical insurance has to pay.

Occasionally when you talk to a health insurance representative, they will say they do not have to pay medical bills for a car accident.  However, what they mean is that they usually don’t have to pay the first $20,000 in medical bills.  Once you exceed that amount, or if the auto insurance refuses to pay for any reason, your health insurance will pay. You just need to provide your medical insurance with a letter showing that the auto insurance refuses to pay, or that you have used up the $20,000.

If you have been injured in a car accident and have questions about getting your medical bills paid, please call us and speak with an experienced Minnesota injury lawyer.  An attorney from our office will answer your car accident questions and explain your rights.  Our lawyers will provide you with a free consultation, and we never charge anything unless you receive compensation for your car accident injuries.