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Does Health Insurance Cover Car Accident Injuries? Navigating Medical Expenses After an Accident

By Pottroff & Karlin LLC |

While some car accidents are mere inconveniences, others lead to catastrophic injuries demanding substantial medical intervention, including hospital stays, surgeries, and rehabilitation. Amidst these trying times, mounting medical bills can become overwhelming. Fortunately, if you possess health insurance, it can alleviate some of this financial burden. However, the process requires careful navigation. Here’s what you should know.

Prioritize Other Coverage

Utilize personal injury protection (PIP) or MedPay, both of which often lack deductibles associated with health insurance. Kansas law mandates PIP coverage, providing a minimum of $4,500 per person to cover medical expenses post-car accident. This option saves time and minimizes expenses, especially considering health insurance’s potential subrogation clause.

Understanding Health Insurance

In the absence of PIP or MedPay, health insurance becomes your medical expenses lifeline. Forward your car accident medical bills to your health insurance company for payment. However, be aware of your health insurer’s right to recoup losses if you receive compensation for health expenses via a claim or lawsuit.

Kansas Legal Dynamics

Kansas operates under modified no-fault rules. If PIP coverage is inadequate or unavailable, you can file a claim against the at-fault driver. This route, however, involves a lengthy process and uncertain compensation outcomes.

Consult with Experts

Rising medical expenses post-car accident necessitate effective strategies for utilizing health insurance and obtaining due compensation. A Manhattan car accident attorney from Pottroff & Karlin, LLC can provide invaluable guidance. Schedule a free consultation to discuss your concerns, ensuring you’re informed and empowered to manage medical bills and move forward. Reach out via the online form or at (785) 539-4656. Your health and financial well-being matter.


Railroad News


Train crash cases are unique and complex with many different potential pitfalls, such as federal preemption. Anytime I get hired or even get a call from a train crash victim, my very first call is to Nathan’s firm. Nathan’s knowledge and experience in handling and trying cases against these litigation savvy railroad companies gives me the confidence to know that the clients and cases I refer to him are getting the best of the best.

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I have had the opportunity to work as co-counsel with Nathan on several railroad crossing accidents cases. In each case, Nathan always possessed an incredible knowledge of the law and the facts, possessed a great talent for aggressive - strategic legal planning and trial tactics while, at the same time, displaying great skill as an effective negotiator. I would recommend him to anyone without hesitation.

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Nathan Karlin has my strongest endorsement in the field of railroad crossing cases and personal injury law. I had the pleasure of working with Nathan in a complex railroad personal injury case. I was impressed by Nathan’s knowledge, his work ethic, and his dedication to the client. I look forward to working with Nathan on future injury matters. I am also aware firsthand that he has obtained excellent trial and settlement results in numerous cases involving members of the public harmed by railroad companies.

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Nathan is a warrior fighting the railroads. As a fellow personal injury lawyer, I have constantly been impressed with his depth of knowledge and his capabilities from case to case. I’d take him into battle with me any day against the biggest railroads and insurance companies on the planet.

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