Most people believe that their health insurance will cover the costs of all medical-related damages after a wreck. However, this is not always the case. Your health insurance may cover your medical bills after an accident, but you’re still responsible for your co-pays and deductibles. Depending on the type of coverage you have, this can quickly add to thousands of dollars in medical bills.
Furthermore, health insurance does not cover lost wages and property damages, while UM coverage does. Therefore, filing a claim with your uninsured car accident coverage can provide monetary assistance with lost work wages, medical bills, property damage, and provide other coverage that health insurance does not.