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Using Your Health Insurance When You’ve Been in a Car Accident

Posted on August 10, 2018
Using Your Health Insurance When You’ve Been in a Car Accident

Individuals who are involved in a car crash or accident in Nevada should file claims with their own health insurance provider to cover their medical expenses. We have had numerous clients who have done this to cover their immediate medical expenses in the aftermath of a car crash or accident. Patients don’t have to delay treatment for their injuries nor do they have to bear the considerable financial burden that medical bills can create when they use their health insurance after a crash.

Insurance in Nevada

Nevada is a “fault” state and drivers are required to carry a minimum of $25,000 in liability coverage for bodily injury to one individual, and $50,000 for bodily injury to more than one person. People can use this coverage to cover their own medical expenses if they are injured in an automobile accident in Nevada, but payment from the at fault insurer will not pay until the end of the case. However, all policies are not the same. Few cover lost wages or funeral expenses unless they are added as riders to the policy. In most cases, these additions are inexpensive and can provide considerable protection in the event of a car crash or automobile accident.

Individuals are not required to purchase medical payments or under-insured or un-insured insurance. However, it is an inexpensive addition to an insurance policy that we have seen cover a significant number of medical expenses. We have also seen policies that cover lost wages as well as funeral/burial expenses. When an accident occurs, the policyholder simply files a claim with their insurance provider. Individuals and their injury lawyer can then file claims against the other driver for the amounts that exceed the coverage provided by the insurance provider.

Using Health Insurance

The individual’s personal health insurance policy can be used to cover expenses. As with automobile insurance policies, the individual will be required to cover their deductibles as outlined in their policy. When using personal health insurance, if the individual files an injury claim that is successful, the health insurer can put a lien on this award to recover their costs for treating the injured policyholder(s).


Individuals who are receiving Medicare/Medicaid can have their necessary expenses covered by the programs. This includes coverage for outpatient physical therapy and occupational therapy. It also covers x-rays, diagnostic testing, chiropractic care, prescriptions, surgery, and post-accident mental health care.