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Using Health Insurance for a Car Accident Injury

Car accidents are common in Texas and the DFW area. 2021 was one of the deadliest years for Texas motorists. Unfortunately, even the safest drivers can find themselves dealing with the aftermath of a collision. If you or a loved one were in a crash, you might find yourself wondering about using health insurance for a car accident injury.

At Premier Injury Clinics of DFW, we see car accident victims daily, and we understand that getting your medical bills covered is a top priority. Whether you were in a motorcycle accident, truck accident, or car accident, we can help you make sense of covering car accident injuries using health insurance

Common Car Accident Injuries

After a car accident, you might experience a variety of injuries, ranging in severity from mild to debilitating. It’s critical to see a car accident doctor right away so they can assess the damage and provide a professional diagnosis.

Typical car accident injuries include:

  • Bone fracture
  • Whiplash
  • Traumatic Brain Injury (TBI)
  • Spinal cord injury
  • Back injury
  • Concussion
  • Internal bleeding
  • Head injury
  • Herniated disc
  • Soft tissue injury 
  • Knee injuries

The body activates a stress response during an accident and floods with adrenaline. This rush can make it difficult to feel pain or recognize injury. For example, many accident victims don’t know they have whiplash because the adrenaline masks their pain. Visiting an auto accident doctor promptly can help ensure you get the care you need and avoid further injury. 

Does Health Insurance Cover Car Accident Injuries?

After a car accident, dealing with health insurance companies can be confusing and frustrating. Sadly, getting your insurance to cover your medical bills isn’t always straightforward. And you already have plenty on your plate with injuries, lost wages, and pain and suffering.

Premier Injury Clinics of DFW can help you understand how health insurance can cover your accident injury medical bills. 

Our staff is knowledgeable and well-versed in the following:

  • Distinguishing between in-network and out-of-network providers
  • Confirming whether your health insurance is primary or secondary
  • Determining which insurance is paying: your health insurance, your car insurance, the other driver’s car insurance, etc.
  • Determining which treatments are covered by health insurance and which are not

Some accident victims avoid treatment because they’re afraid they can’t afford it. But delayed medical care can lead to severe complications. If internal bleeding or a concussion is involved, immediate professional diagnosis is essential. Remember, auto insurance and health insurance exist so accident victims can get the care they desperately need, regardless of their financial situation. 

Auto Insurance VS. Health Insurance

Many auto accident victims wonder whether auto insurance or health insurance pays first. Generally, auto insurance can pay for car crash injuries according to the available coverage limits. Health insurance will cover whatever medical expenses remain.

The course of events might look like this:

  • You or a loved one are injured in an auto accident
  • You seek medical care and treatment
  • You pay a deductible or co-pay for your health insurance
  • You go through a claims submission process for car insurance 

Our skilled staff can help guide you and your family through the process. Having a professional car accident doctor at your side is essential if you plan on using health insurance for a car accident injury. We can even refer you to a local auto accident attorney who can help you recover expenses from the at-fault driver. 

Treatment for Injuries After a Car Accident

At Premier Injury Clinics of DFW, we treat auto accident victims daily. Our skilled staff understands how frustrating and disruptive car crash injuries can be. We have doctors on-site at all times at our six convenient locations. In addition to pain management and chiropractic care, we offer attorney referrals, specialist referrals, and diagnostic imaging referrals. 

If you were in a car crash, drop by our clinic today for a complete evaluation. An auto accident doctor can conduct tests to detect injuries, accelerating your recovery. If you or a loved one was injured in a car crash, call us today. We offer complimentary transportation and compassionate care.

Car Accident Doctor FAQ (Frequently Asked Questions)

What kind of doctor should I see after a car accident?

At Premier Injury Clinics of DFW, we have doctors on staff at all times to treat car crash injuries. Our services aim to reduce pain, restore range of motion, and reduce the likelihood of recurring conditions. If you have whiplash, back pain, or neck pain after an accident, our knowledgeable staff can help.  

What are the most common injuries after a car accident?

Typical car crash injuries include whiplash, concussion, fractured bones, strains and sprains, damaged soft tissue, and disc injuries. It’s sometimes difficult to tell right away if a car crash harmed you, but an auto accident doctor can professionally evaluate and diagnose your condition.

When should I see a car accident doctor?

Because symptoms are often delayed, seeing a car accident doctor right away is vital. Premier Injury Clinics of DFW offers chiropractic care and exercise rehabilitation. We can also refer you to trusted orthopedic surgeons and local attorneys. 

How can a chiropractor help after an accident?

After a car accident, a chiropractor can use various tools and techniques to restore joint flexibility and realign vertebrae. Benefits of chiropractic care after a car crash include pain relief, reduced inflammation, reduced scar tissue, and improved range of motion. 

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