Is it smart to use your auto insurance as 1st party medical coverage, if you are in an auto accident and the other party is deemed 100% liability. I

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: May 20, 2010

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Insurance Question from Palmer, AK

Asked on 05/20/2010

Is it smart to use your auto insurance as 1st party medical coverage, if you are in an auto accident and the other party is deemed 100% liability. I I can either have my insurance pay medical bills as they incur or have a lump settelment at the end from the other guys insurance. Since it wasn't our fault I don't want a ding against our insurance rating that would cause our premium rates to rise. We live in AK

Answer given on May 21, 2010

Either way is fine.  If it will help you get care sooner, then use your own policy.  Otherwise, if you can wait, do that.  Remember, you will not get double-paid.  If your medical payments coverage pays out, then the payment from the other party will be reduced by that payment.

Also know that insurance companies do not surcharge for medical only payments.  Surcharges are for at fault accidents, not accidents which were not your fault.  Now, you might not be eligible for discounts after having been in an accident, but you will not be surcharged. So regardless of where the payment comes from, an at fault accident remains an at fault accident, and a not at fault accident remains not at fault.

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