One of the most common asked questions is who pays my medical bills when I’m in a car accident. The answer is the car law has set up a series of priorities to pay your medical bills.

First priority is any car insurance either in your name, in a family member’s name you reside with, or in the car you’re in. Once the applicable car insurance exhausts, meaning the insurance company has paid the limits of their coverage, any private health insurance you have will then kick in. To the extent any of your medical bills are not covered by either the car company or your private health company, they become part of your claim against the other driver.