Rimon07 t1_ixosx3n wrote on November 25, 2022 at 2:56 AM

This is correct. The car insurance should cover the medical expenses. Then they will go after the driver at faults insurance. You would not be suing your BF's insurance you are going after.the driver at fault. Word of caution, if there is no permanent damage like a break you may not get much or anything at all. Up to the attorney to let you know what is and is not possible. Also, understand that it is a waiting game, nothing will happen for at least 2 to 3 years. They want you to lose interest and take whatever they offer. Again, talk to a lawyer. If it seems like I have been through this a few times I have with myself, ex-wife and a few friends. Hope you both went to the ER and hope you are ok. Best of luck

tubbyneko OP t1_ixouutr wrote on November 25, 2022 at 3:14 AM

i was just worried if my health insurance would cover the medical bills for visiting the ER due to a car accident sorry if i worded things in correctly still a bit shaken up lol

Rimon07 t1_ixp2mhm wrote on November 25, 2022 at 4:24 AM

That is completely understandable. I really hope you both went to the ER. A fracture in the wrong place can cause all sorts of issues later in life. Better to find out sooner than later so it can be dealt with immediately.

SD-777 t1_ixq1qvm wrote on November 25, 2022 at 12:12 PM

Yes the health insurance would cover even if you had auto insurance, but note that many (depends on ERISA rules) health insurance companies will lien your bills, meaning that if you got a settlement they would expect to be paid back out of your settlement. That's why it's much better to exhaust whatever auto insurance you have available before using your health insurance.