Does health insurance cover accident injuries?

Yes—your health insurance covers accident-related injuries just like any other medical treatment. Hospitals and doctors cannot refuse to bill your health insurance simply because your injuries resulted from an accident. Using health insurance is typically the best approach because insurers have negotiated lower rates with providers, resulting in lower overall bills. However, most health insurance policies contain "subrogation" clauses that entitle them to reimbursement if you receive a settlement from the at-fault party. At Kane Trial Law, we negotiate with health insurers to reduce subrogation amounts, maximizing what you keep from your settlement.