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tubbyneko OP t1_ixokp4h wrote

Reply to comment by NJKbh899 in involved in a car accident, not sure whether to seek medical treatment? by tubbyneko

i didn’t mean like go against his insurance i just wasn’t sure if my health insurance would cover an emergency visit to the ER due to auto accident, i’m definitely not trying to go against my bf in anyway lol sorry if i worded it incorrectly!

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NJKbh899 t1_ixol0o1 wrote

No worries I totally get it. If you have insurance, it will most definitely cover you for being in an auto accident. I would not worry about that. Even if you go to the hospital with a cut needing stitches, your insurance kicks in.

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SD-777 t1_ixq1iue wrote

The auto insurance will cover, but the health insurance would also cover anything the auto didn't, in particular if your treatment exceeds your auto insurance limits. If you don't have your own insurance, by law, you have to go through your boyfriend's policy so you aren't doing anything wrong.

Now later on you *might* sue your boyfriend's policy for a variety of reasons. If the other vehicle was at fault you would sue them, but if their coverage limits are lower than what your suit is asking for you could also sue your boyfriend's policy for the rest of it. Alternatively if your boyfriend was at fault you wouldn't sue the other vehicle, in that case you would just sue your boyfriend's policy. In the first case it shouldn't cause a premium increase, in the second case it would, but if he's at fault his insurance is going to go up anyway.

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