Does My Health Insurance Still Have To Pay Medical Bills If Other Person Responsible Injured Me


If you are injured in a car crash, or on someone’s property, or by a dog bite, or some other way such that the injury is another person’s fault, that person or business (or their liability insurance) is required to pay your medical bills and other compensation.  However, for the most part, their insurance will only pay you at the end of your case, at the time of final settlement.

The insurance for the person or business that caused your injuries does not pay medical bills as they come in.  (Actually, there are a few small exceptions to this, which a lawyer in our office will explain to you in a free consultation.)  Therefore, your health insurance will have to initially pay your medical bills after an accident, even if it was someone else’s fault. Your health insurance will get repaid (subrogation) later out of your final settlement with the insurance for the person or business that injured you.


After you start getting treatment for your accident injury, you may receive a form from your health insurance asking how the accident happened and if it was someone else’s fault.  This does not mean your health insurance doesn’t have to pay your medical bills from the accident. It just means that they want to stay in the loop if you hire a lawyer and pursue a claim for compensation, so they can get their money back too.

Health Insurance Accident Form
Health Insurance Accident Form

Minnesota has some specific rules regarding how medical bills get paid for certain kinds of accidents, and how your health insurance can and cannot get their payments back. For example, if you are in an auto accident, some medical bills get paid by your auto insurance before your health insurance kicks in.

Whether or not your medical insurance can get part of your settlement, and how much they can get, depends on the type of policy it is and several other factors. These are complicated issues and are specific to each individual case. Therefore, if you have questions about your medical bills after an accident, or what your health insurance is responsible for, call us and speak with a lawyer for a free consultation. Our personal injury lawyers have 25 years’ experience handling accident injury cases throughout Minnesota.