Does Medical Insurance Cover Car Accidents? 
If you happen to live in a state where it is mandatory that your car policy includes coverage for primary medical benefits , then that portion of the claim must be handled by your car insurance company first . Once those benefits are exhausted , the claim may then be turned over to your medical insurance provider . States where such coverage is voluntary as opposed to mandated , if you choose to carry medical coverage on your car policy , it would work exactly the same way . 