If you are unfortunate to sustain injuries following an auto accident, you may wonder how to file an auto insurance claim. But does Allstate cover medical bills resulting from the accident through your car insurance?

We understand that this can sometimes be confusing, so we have asked the question for you and answered below.

Allstate Might Cover Medical Bills Resulting From an Accident

You may be able to claim for the cost of medical bills following an accident through Allstate if you have medical payments coverage as part of your policy. In this case, you won’t need to worry about who caused the accident. However, you may be unable to add medical payment coverage to your policy in certain states.

Allstate Medical Payment Coverage

It helps to refer to the details of your policy, but generally, medical payments coverage will help to pay for the following expenses for you or anyone else in your vehicle:

• Doctor or hospital visits
• Professional nursing services
• Surgery, prostheses, or X-rays
• Health insurance deductibles or co-pays

The coverage will typically include ambulance and emergency technician costs, or you can read more here: “Does auto insurance cover ambulance rides after an accident?

Allstate Personal Injury Protection (PIP) Coverage

Personal injury protection (PIP) is a separate type of optional insurance coverage. It is similar to medical payments coverage, but there are differences.

For example, certain states may require motorists to carry PIP, while medical payments insurance is almost always optional. PIP can cover related expenses, such as lost wages, if you are unable to work due to injuries. You can read more in: “What is PIP in auto insurance?”

You May Not Need to Consider a Deductible With Medical Payment Coverage from Allstate

Unlike standard health insurance policies, there are usually no deductibles or copayments with optional medical payment coverage.

Allstate Medical Payments Coverage May Supplement Other Health Insurance

Many people choose to take the optional medical payments coverage to help meet the standard health insurance deductible cost. Adding medical payment coverage to their auto insurance policy could help them meet some of the out-of-pocket expenses resulting from significant medical bills.

You should refer to your health insurance policy to assess your limits and see if it would be good to supplement with medical payment coverage.

Allstate Medical Payments Coverage is Separate From Bodily Injury Liability

You may wonder if your liability insurance is sufficient to pay for these medical bills. In this case, your bodily injury liability insurance will only pay for treatment to people other than you and your passengers in the event of an accident.

So, it’ll take care of your liability to people who are not in your car at the time of the incident. For further information, you can read: “What are the different types of auto insurance coverage?”

Allstate Will Typically Cover Your Medical Bills Resulting From an Accident if You Have a Certain Type of Coverage

Usually, Allstate will cover your medical bills after an accident if you have medical payments insurance. This is an optional coverage, but if you opt-in, this insurance will cover several types of medical expenditure for you and your passengers in the event of an accident.