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Do I have to use my own health insurance for my auto accident injuries? I've been injury in a motor vehicle accident and my doctor has referred me for therapy. I have private health coverage through work and I have Accident Benefits Coverage on my auto policy. My auto insurer is telling me I have to use my own private health coverage to pay for therapy costs prior to accessing my Accident Benefits Coverage. Why?
A:
The quick answer is--because it's the law. Our legislation establishes an order in which policies of insurance have to be accessed in these situations. If you have private health coverage, medical expenses have to be paid through that insurance first. Accident Benefits Coverage is then available for accident-related medical expenses not covered by private health coverage.
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Ches Crosbie Barristers
169 Water Street
St. John's, NL
A1C 1B1
Phone: (709) 579-4000
Fax: (709) 579-9671
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Video Library
Auto Accidents and Car Wrecks:
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FAQs
Auto Accidents and Car Wrecks
- Does it matter that I didn't see the doctor right after my car accident?
- Do I have to use my own health insurance for my auto accident injuries? I've been injury in a motor vehicle accident and my doctor has referred me for therapy. I have private health coverage through work and I have Accident Benefits Coverage on my auto policy. My auto insurer is telling me I have to use my own private health coverage to pay for therapy costs prior to accessing my Accident Benefits Coverage. Why?
- I was injured in a car accident and my insurance company is telling me I have to use my personal insurance (e.g. Desjardins, Blue Cross, Manulife) to pay for my massage therapy, physiotherapy and prescription drugs before I can use either the accident benefit coverage (Section B) on my automobile policy, or the insurance of the guy who hit me. Is this right?