Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Aug 11, 2021

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Key takeaways...

  • The bare minimum auto insurance policy will pay for third-party property damages and medical expenses
  • Your basic policy will cover ambulance costs when someone is injured in an accident you’re liable for
  • If you’re injured in a non-fault accident, you can submit your ambulance bill to the other insurer for reimbursement
  • If you have medical payments coverage, you don’t have to worry about fault allocation for coverage
  • Medical payments pays for you and your passengers reasonable and necessary medical treatment expenses

If you can walk away from a car accident without any serious long-term injuries, you can count yourself lucky. It’s amazing how the human body can absorb and transfer so much energy as an occupant of a vehicle involved in a high-speed crash.

As minimal as injuries may seem after the dust has settled, it can take hours or days for your nerves to calm. Unfortunately, injuries can show up hours or even days later.

All of the energy pulsing through you can easily mask that there is a need to seek medical attention. The lack of awareness is particularly true if you don’t have any bumps and bruises, but you have suffered some internal wounds.

If there’s any question as to whether or not you’re injured, you shouldn’t hesitate to call for an ambulance. An ambulance company will typically take you to the nearest hospital. They can also provide an assessment or some degree of care on site. You will not be charged unless the ambulance provides medical service.

If you do wind up being transported by ambulance, you may be concerned later about coverage. A single ambulance ride can cost thousands of dollars you don’t want to cover on your own. Let’s discuss what’s covered under your auto insurance.

If you have recently been in a car accident and need better insurance, compare at least three to four policies today! Enter your ZIP code above to begin!

How much does it cost to ride in an ambulance?

You don’t always need to ride in an ambulance. Since ambulance rides cost so much, it’s best that you find cheaper transport if emergency medical transportation isn’t necessary. If you’ve been in a serious accident, you may want medical professionals near you to offer medical care should you experience complications on the ride.

If you feel fine and you can wait to be seen by your doctor, you could prevent clogging up the already congested waiting room at your local hospital. You don’t want to get stuck paying for the ambulance ride if you choose this option just because it’s the most convenient way to be seen at the hospital quickly.

At the end of the day, you could be billed as little as $400 and as much as $1200 for your trip with EMTs plus a fee per mile. Covering this bill on your own can be difficult if your insurer won’t pay it.

But believe it or not, some cities offer emergency medical services and transport to residents of the city for free. It’s not necessarily free, but you aren’t billed for the service because it’s paid for by your tax dollars.

Before you start to worry about when you’ll get a bill, you should check to see what the protocol is in your area.

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Will your ambulance bill be covered when you get into an accident?

If you call your insurer to file a claim after you sought medical attention, it’s a good idea to mention it to your claims adjuster. This claim can be filed so that the adjuster knows what bills need to be paid when the time comes for the claim to be settled. If you need an ambulance trip, you should always prioritize your health and wellbeing.

There’s no guarantee that your bills for emergency transport will be covered by either insurer.

It all depends on what type of coverage that you carry on your personal insurance and who is declared the negligent driver.

It’s important to understand how claims are settled so that you know which insurer will be responsible for paying your claim.

Emergency Transport after a No-Fault Accident

All insurance adjusters have to look at clues from the accident to decide who caused it. This part of the claims process comes near the end. It’s referred to as fault allocation by insurance companies.

Once all of the information reported by each party has been reviewed, you will be found to be the victim or the negligent driver.

If you’re the victim in an auto accident and you live in a state with a fault-based insurance system, it’s the other party’s insurance company that’s obligated to pay your bills.

When you call for an ambulance to take you in for emergency treatment after you’ve sustained injuries, the other insurer must pay for the cost as long as the treatment was necessary and reasonable.

The other carrier does have to pay for:

  • Transport of your person
  • Vehicle towing fees
  • Storage fees
  • Repairs
  • Ongoing treatments ordered by a medical professional

You may even have the right to sue for lost income and pain and suffering.

Just remember that the carrier is only obligated to pay up to the driver’s liability limits.

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Emergency Transport after an At-Fault Accident

If the fault is determined and the outcome isn’t in your favor, coverage works a bit differently. You can’t file a third-party liability claim and expect for the ambulance bill to be covered automatically as part of the claim.

For coverage to be guaranteed, you must have the appropriate coverage under your plan.

There are a few different types of coverage that you could hold that will help you pay for your claim, especially if you don’t have medical insurance.

If you’re looking to build a policy that’s going to give you peace of mind if you experience this situation again, here are two coverage options you should know about:

  • Medical Payments — Pays for immediate medical treatment that is reasonable and necessary no matter who is at fault in the accident
  • Personal Injury Protection — In no-fault states, this coverage pays for medical bills and other related expenses when you sustain personal injuries in an auto accident

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Emergency Transport after a Hit-and-Run Accident

Around 12 to 13 percent of drivers in the United States don’t have insurance. That statistic is much higher in some areas of the country.

No matter what region you live in, it’s important that you consider what could happen if you’re hit by someone with no insurance who then leaves the scene of the accident.

If you have Medical Payments coverage, it will pay for a minimal amount of protection. Since the limits are usually low, you will need to consider carrying additional protection that’s called Uninsured Motorist Protection.

Uninsured Motorist Protection is another form of coverage that pays for your treatments and emergency expenses after injury. It pertains to claims involving people with little or no insurance.

What do you do when you’re billed for the service?

When passengers do receive a bill for their treatment received in an ambulance, they must present the bill to their insurer as quickly as possible.

If you were to receive a bill and you waited months to respond to it, the claim could be closed and you may be on the hook for paying it.

You may want to call the service provider for the invoice if it’s taking a while to be billed. Once you’re billed, send this invoice to your adjuster so that you pay nothing out of pocket.

If you’ve already paid the invoice by mistake, you can submit the receipt for reimbursement.

Recovering from an accident can be tough. Depending on how severe the injuries are, you could be on a long road to recovery. The road could be even longer if you’re stressing about your finances.

Be sure that you compare rates for coverage that helps sufficiently protect you in any sort of accident. Use an online quoting system to price the cost and then determine if it’s worth the premium.

Try our FREE online quote tool and start comparison shopping today for better car insurance! Enter your ZIP code below!