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

UPDATED: Dec 17, 2021

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Key Takeaways

  • Your health insurance will pay for any injuries to you
  • Some car insurance policies offer primary injury protection
  • PIP can lower what you have to pay with your insurance

Is it a bad idea to have health insurance cover car insurance? No, it isn’t, and unless you have a primary injury protection policy, it may be your only option. That being said, many car insurance companies will offer you coverage to help pay for your injuries.

Now that you know it isn’t bad to have your health insurance cover car insurance, enter your ZIP code into our free quote tool to see what you could pay.

Do I need medical coverage on my auto insurance if I have health insurance?

If you’ve suffered a personal injury and you’re covered by health insurance, you won’t have to worry about your treatment costs. Your car insurance likely won’t pay for those bills unless you have specific coverage. However, your health insurance will save you on a variety of treatments.

If you have proper health insurance coverage, you probably won’t have to worry about getting any additional coverage for yourself. When you get into an accident, your health insurance will pay for things like:

  • Surgery
  • Medication
  • Inpatient hospital stays
  • Medical equipment
  • Outpatient recovery services

While this can get expensive with more severe injuries, you will rarely need additional coverage to help pay for this. You won’t have car insurance unless you’d like underinsured car insurance, which will help pay for your medical bills if the other person isn’t appropriately insured.

If you’re worried about having to pay too much with your health insurance during an auto accident, a primary injury protection add-on might be significant. When the costs of your medical bills are reduced, you won’t have to pay near as much for treatment.

Who pays first, car insurance or health insurance?

In most cases, your car insurance will pay before your health insurance takes over, so you’ll pay for any costs after your car insurance pays out on your policy. However, this means that you’ll be responsible for paying the health insurance deductible and other fees after a significant amount has been paid.

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Do I need PIP insurance if I have health insurance?

What is PIP insurance? When you have personal injury protection or PIP, your car insurance plan will cover your medical expenses. The good news is that you can get PIP coverage for your medical bills, whether you’re considered at fault for the accident or not.

When it comes to auto insurance medical payments vs. bodily injury, your regular health insurance will pay for any costs to you. Likewise, your car insurance will pay for any damages to other people.

What car insurance companies cover accident injuries?

Many car insurance companies will provide PIP to customers. If you need help paying for your injuries after a car accident and you can’t pay with health insurance, consider getting PIP from companies like:

  • GEICO
  • Travelers
  • Liberty Mutual
  • Progressive
  • State Farm

Does Aetna health insurance cover car accident injuries? The good news is that any health insurance plan you have will cover the cost of your car accident injuries. This can include surgeries, inpatient or outpatient treatment, and drugs and medical equipment that will help you recover.

What is the cost of health insurance vs. car insurance?

It would help if you used health insurance and car insurance together, but you can’t always get the same value from both policies. So when you’re evaluating your budget, you may need to decide whether or not you need or can afford the primary injury protection.

For starters, according to the Insurance Information Institute, the average cost for car insurance was around $1,065 for the entire year of 2018. This includes the average price of all policies, including just liability and the most extensive plans.

On the other hand, the standard yearly cost for health insurance is $7,470 for an individual and $21,342 for a family. Health insurance can cost so much that it may make sense to get primary injury protection coverage on your auto insurance to help cut costs.

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Are there options to get health and car insurance bundles?

Any insurance company that offers multiple policies will be willing to bundle them and offer you a discount. Your health insurance and car insurance bundled together will also help you lower the number of bills you have to pay.

Some of the insurance companies that will bundle your health and car insurance include:

  • USAA
  • State Farm
  • Progressive

These insurance companies, and many other large insurers, will be able to offer you both car and health insurance coverage.

Health Insurance Covering Car Insurance: The Bottom Line

It isn’t a bad idea to have health insurance cover car insurance accidents. It may be your only option unless you’re covered by primary injury protection. If you have a comprehensive health insurance policy, you likely won’t need it, but additional coverage never hurts.

Now that you have more details about how having health insurance cover car insurance can benefit you, enter your ZIP code to find out what you could pay for a policy today.