Does Allstate cover medical bills resulting from the accident?

What if I have medical bills resulting from the accident? If you only have liability insurance and you are injured in an auto accident that is your fault, your only help with medical bills would be through your health insurance coverage if you have any.

To reduce this risk, Allstate offers optional insurance for personal injury protection, medical payments coverage, or uninsured/underinsured motorist coverage.

There are good descriptions for the optional coverage and claims payments in our Allstate auto insurance review. Keep reading to learn when Allstate covers medical bills resulting from the accident and if you have the right coverage.

Allstate Personal Injury Protection for Medical Bills

Allstate might be the best personal injury protection (PIP) car insurance company. Many states require this insurance, and it is an option in others. Personal injury protection (PIP) is also called “no-fault” insurance.

It covers medical bills and lost wages up to the policy limit, no matter who is at fault. This coverage also helps if you get hit by a car when walking or riding a bike.

It is important to note that PIP insurance only covers things related to injuries caused by an auto accident. It does not cover theft or damage to a vehicle or personal property.

Allstate Medical Payments Insurance

Medical payments insurance helps pay medical bills caused by auto accidents. If you, your passengers, or a family member, who was driving, were injured in an accident, medical payments insurance helps pay the medical bills.

It does not matter who is at fault. This insurance also helps you and your family with injuries from being in another car or being hit as a pedestrian.

Medical payments insurance helps reduce coverage gaps if you have health insurance. It helps with copays and extends to passengers not covered by your health insurance.

Allstate is a good company if you have the optional coverage you need, including medical payments insurance and other options described in our full coverage car insurance guide.

Costs Covered by Allstate Medical Payments Insurance

Here are some types of medical bills that Allstate’s medical payments insurance covers:

• Ambulance fees
• Emergency Medical Technician (EMT) bills
• Physician consultations
• Hospital visits and stays
• Surgery
• Nursing service and care
• Prostheses
• X-rays

Consult with your agent to find out what other medical bills Allstate covers. Usually, your health insurance covers your medical bills and then gets reimbursed by Allstate.

Allstate Uninsured/Underinsured Motorist Coverage for Medical Bills

All states, except New Hampshire, require auto insurance that meets the state’s minimum requirements. Despite these legal requirements, many drivers do not have auto insurance or do not have enough coverage to pay for all the damages.

Uninsured/underinsured motorist coverage helps If you get into an accident with a driver who does not have insurance. It also helps pay medical bills if the driver’s limits for insurance are too low to cover the total cost of the damages.

Underinsured and uninsured motorist insurance helps cover the difference between your bills and the driver’s insurance coverage (if any) up to your policy’s limit.

It Pays to Add the Optional Coverage with Allstate to Cover Medical Bills

Medical bills may be devastating if you are injured in an auto accident and do not have insurance coverage. If the injuries are severe, you don’t want to worry about how to pay medical bills while recovering.

If you want Allstate to cover medical bills resulting from an accident, get personal injury protection, medical payments coverage, or uninsured/underinsured motorist coverage. You may benefit from a 5% to 25% discount when you learn how to save money by bundling insurance policies.

Exploring Allstate’s Coverage Options: Case Studies on Medical Bills in Auto Accidents

Case Study 1: Allstate Personal Injury Protection for Medical Bills

Mary, a resident of Florida, was involved in a car accident where she sustained serious injuries. Fortunately, she had Allstate’s personal injury protection (PIP) insurance as part of her car insurance coverage.

Thanks to PIP, Mary’s medical bills, rehabilitation expenses, and lost wages were covered up to the policy limit, regardless of who was at fault in the accident. This coverage provided her with the necessary financial support during her recovery process. (For more information, read our “Can I get reimbursed for lost wages if I am unable to work due to injuries sustained in the accident?“).

Case Study 2: Allstate Medical Payments Insurance

John and his family were on a road trip when their car was rear-ended by another vehicle. The accident resulted in multiple injuries to John, his wife, and their two children. As Allstate policyholders with medical payments insurance, they were relieved to know that their medical bills would be taken care of.

Allstate’s medical payments coverage helped pay for their hospital bills, doctor visits, and even covered some expenses that their health insurance didn’t cover, such as copays and deductibles.

Case Study 3: Allstate Uninsured/Underinsured Motorist Coverage for Medical Bills

Sarah was driving home when she was struck by a hit-and-run driver. The driver fled the scene, leaving Sarah with injuries and mounting medical bills. Fortunately, Sarah had Allstate’s uninsured/underinsured motorist coverage. This coverage stepped in to cover her medical expenses that exceeded the limits of the at-fault driver’s insurance coverage.

Without this coverage, Sarah would have been left with substantial financial burden, but Allstate’s uninsured/underinsured motorist coverage provided her with the necessary support during her recovery.