There are more than 260 million vehicles on the road in this country, meaning accidents are unavoidable. But when happens if you’re in a crash? Does your health insurance cover the costs of injuries? The answer isn’t always clear, so we’re going to dive into this topic and cover all the basics.

PIP Insurance

Some states require drivers to have personal injury protection insurance (otherwise known as PIP). This type of insurance typically covers all medical bills associated with a car accident, as well as lost income and rehabilitation costs.

In most instances, you’ll utilize the PIP insurance first before tapping into your health insurance. The following states require PIP insurance:

  • Arkansas
  • Delaware
  • Florida
  • Hawaii
  • Kansas
  • Kentucky
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • New Jersey
  • New York
  • North Dakota
  • Oregon
  • Pennsylvania
  • Utah

What if you don’t have PIP Insurance?

If you don’ have this type of insurance, then the next step is to contact your health insurance provider. In most scenarios, a basic insurance plan will cover hospital stays, doctor visits, and the cost of prescription drugs.

What if you weren’t at fault?

Hypothetically speaking – if you’re involved in a car accident, and it’s not your fault – you can utilize the other person’s liability insurance. This will typically cover medical bills and hospital stays, although it’s recommended to open a line of communication with the insurer.

If you have any outstanding questions regarding health insurance, feel free to call one of our agents toll-free at 1-855-881-0430 or visit