D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer

UPDATED: Sep 9, 2021

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Just the Basics

  • Health insurance can cover medical expenses that car insurance can’t reach
  • You need health insurance in addition to car insurance to cover bodily injury and personal injury from different angles
  • Use health insurance to pay for medical bills when car insurance has exceeded its limit

Is it a bad idea to have health insurance cover car insurance? It depends on your situation.

Health insurance can provide a cushion when car insurance coverage doesn’t pay for specific medical expenses.

Compared to health insurance, auto insurance rates are much cheaper, but this car insurance guide explains what insurance coverages can provide help with bodily injury expenses.

After you learn more about if it is a bad idea to have health insurance cover car insurance, enter your ZIP code in the free online quote tool above to compare multiple companies near you.

Is it a bad idea to have health insurance cover for car insurance?

The short answer is no. Specific events may not be covered by auto insurance, but health insurance can provide coverage.

For example, a driver with liability-only car insurance won’t receive any coverage for bodily injury if they’re at fault in an accident.

With health insurance, you could receive coverage for medical bills, but health insurance is more expensive than auto insurance.

How much is health insurance compared to car insurance?

On average, health insurance is about $495 per month. According to the NAIC, auto insurance is $90 a month for full coverage and $48 per month for liability-only insurance.

However, your car insurance rates vary when you shop at different companies. Check out our free online quote tool to compare multiple auto insurance companies and find the best quotes.

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Can you bill health insurance for car accidents?

Your health insurance policy can help you with expensive medical bills after an accident. However, your healthcare insurance may have co-pays and other fees you’ll need to pay to get coverage.

Auto insurance covers bodily injury and personal injury through no-fault insurance coverage, such as personal injury protection (PIP) and medical payments (MedPay).

If you don’t have PIP or MedPay, you can use your health insurance to pay for medical bills. Contact your health insurance company and let them know you need to file a claim.

Does Blue Cross Blue Shield cover car accidents?

The answer is yes. Blue Cross Blue Shield provides coverage for their policyholders by waiving specific fees and reducing the cost of medical bills when they shop at affiliate treatment providers.

Who pays first, car insurance or health insurance?

Health insurance is the first line of defense after a car accident. Auto insurance companies don’t pay medical bills directly.

Car insurance companies pay the claimant. Claims are paid out to customers and no-fault drivers, which can take months.

To prevent medical bills from going into collections, use your health insurance until the auto insurance company can send you a claim check to reimburse you.

What car insurance options provide coverage for bodily injury and personal injury?

If you don’t want to use your health insurance for coverage, consider adding no-fault insurance coverage. But some situations don’t require no-fault auto insurance.

Here are a few coverages that focus on medical services, bodily injury costs, and personal injury expenses for no-fault drivers.

  • Bodily Injury (BI) Liability
  • Medical Payments (MedPay)
  • Personal Injury Protection (PIP)
  • Uninsured Motorist Bodily Injury (UMBI)
  • Underinsured Motorist Bodily Injury Coverage (UIMBI)

PIP covers personal injury, including lost wages, child care expenses, and legal fees. MedPay is strictly for medical bills related to X-rays, co-pays, medications, etc.

BI liability is part of your minimum auto insurance requirements. You can only get coverage for bodily injury and other medical expenses when you’re not at fault in an accident.

Meanwhile, UMBI and UIMBI insurance provide coverage when you’re in an accident with an uninsured or underinsured driver.

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Is it bad to have health insurance cover for car insurance?: The Bottom Line

Health insurance and no-fault auto insurance provide coverage for medical bills, but health insurance moves much smoother and faster when you need to file a claim.

It’s wise to file a claim with your health insurance and car insurance company. While your health insurance pays for expenses right away, the auto insurance company can be gathering data to reimburse you.

Now that you know that it’s not a bad idea to have health insurance cover car insurance, use our free online quote tool to compare multiple insurance companies in your area.