Does Allstate cover medical bills resulting from the accident?
If you've recently been in an accident, you may be wondering if Allstate covers medical bills resulting from the accident. Allstate Insurance offers medical coverage if you have medical payments as part of your auto insurance policy. Learn more about how to get your medical bills covered by Allstate.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
UPDATED: Feb 26, 2024
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UPDATED: Feb 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Allstate will cover the cost of medical payments after an accident if you have medical payments coverage on your policy
- This type of insurance will be valid regardless of who is responsible for causing the accident
- Medical payments coverage is optional but is not available in every state
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. What if I have medical bills resulting from the accident However, you may be unable to add medical payment coverage to your policy in certain states.
Read more:
- How do I file an auto insurance claim with Allstate?
- What if I have medical bills resulting from the accident?
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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 (read our “Does auto insurance cover ambulance rides after an accident?” for more information) and emergency technician costs.
Read more: Does State Farm cover medical bills resulting from the 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.
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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?”
Read more: Does auto insurance cover ambulance rides after an accident?
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.
Read more: How long does it typically take for Allstate to process an auto insurance claim?
Frequently Asked Questions
What is the IRS rule about deducting medical expenses?
You may be able to deduct medical expenses that come to more than 7.5% of your adjusted gross income under IRS rules.
How does Allstate accident forgiveness work?
Under the Accident Forgiveness rule, Allstate will not necessarily increase your insurance after an accident, even if it was your fault. You’ll need to sign up for this specific type of protection.
What if another driver is at fault for your injuries?
The other driver’s auto liability coverage will typically pay for your medical bills.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.