SHOULD YOU USE YOUR HEALTH INSURANCE OR YOUR MEDICAL PAYMENTS INSURANCE UNDER YOUR AUTOMOBILE POLICY?

Often times when you’re in the emergency room, after you become stabilized they’ll want to know, “How are you going to pay for the bill?” There are several times when the person will have more than one available policy of insurance. Do you use your health insurance or your automobile medical payments insurance? Well, the answer depends on which of the two is more beneficial to you.

Typically, your medical payments policy, as part of your automobile policy, is better suited to handle an emergency bill or situation with a bill arising from a motor vehicle collision. They don’t care about whose fault it was for the collision. It just has to arise out of your use or operation of a motor vehicle. Health insurance, on the other hand, may have more questions: “Was this treatment a result of an accident caused by somebody else’s carelessness, and if so, who is that other person and how can we seek reimbursement from them or from you to get repaid?” So, you can see there is a difference between the medical payments coverage under the automobile policy and the reimbursement requirements of your health insurance policy.

Which one is more beneficial to you? Again, that’s something that you need to consult with a trained attorney, such as myself, who can read the policies and advise you on which of the two is better suited for your needs. If you have questions about your medical payments insurance policies, I’d like you to pick up the phone and call The Nunes Law at (559) 702-5124.