Does car insurance cover ambulance rides?

Car insurance covers ambulance rides if you have the right coverage. PIP or liability insurance cover the cost of an ambulance depending on state law and who is at fault. Even if ambulance charges are not covered by your car insurance, there may still be other options to cover costs.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: May 13, 2021

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The Highlights

  • Ambulance rides are covered by car insurance when it is medically necessary and due to a car accident
  • Health insurance may cover an ambulance ride if car insurance does not
  • If you have health insurance and car insurance, the best way to determine who will cover an ambulance is to contact your insurance providers

If you find yourself injured in a car accident and you or someone else calls 911, emergency personnel will arrive on the scene. An ambulance may take you to the hospital if your injuries are severe enough.

If this happens, does car insurance cover ambulance rides? It depends on many different factors, such as the type of car insurance you have, whether an ambulance ride is medically necessary, and other considerations.

This is one of the reasons why comprehensive car insurance is essential. There is more to consider in an accident than just the collision. It is worth taking the time to compare car insurance so that you will be prepared should you get into an accident.

If you’re looking for car insurance, try entering your ZIP code into the box above. It is a free tool that allows you to compare quotes to find car insurance that covers ambulance rides and many other things.

Will my car insurance cover ambulance charges?

Certain types of car insurance will cover costs if you get taken to the hospital after an accident.

It is important to note that car insurance will cover ambulance charges if it is deemed medically necessary. This means that if your injuries are severe enough, you can be taken to the hospital, and there will be charges for that.

This also assumes that you were not the one at fault. If you cause an accident and need to be taken to the hospital, it is possible that insurance will not cover the ambulance costs. This depends on your state laws and the type of coverage you have.

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What car insurance types cover ambulance rides?

Say that someone is taken to the hospital, either you or another party. How will ambulance insurance coverage work in this case?

There are 12 “no-fault” states in America that require drivers to have personal injury protection (PIP) car insurance. This type of insurance covers medical bills caused by an accident no matter who was at fault. PIP insurance will cover an ambulance ride to the hospital.

Medical payments coverage is another type of optional car insurance and acts similarly to PIP. It also covers ambulance rides.

If an accident occurs, and you are not at fault, it’s possible the other driver’s liability covers can cover an ambulance ride to the hospital.

What if ambulance charges are not covered by insurance?

What happens with ambulance charges not covered by insurance? Perhaps you don’t have comprehensive car insurance, are there other options for getting ambulance costs covered?

Luckily, yes. If your car insurance does not cover ambulance charges, your health insurance may cover the ambulance ride instead.

Sometimes though, there will be out-of-pocket costs if health insurance is paying for ambulance rides though. This is why understanding health insurance deductibles is crucial.

Medicare Part B will cover medically necessary ambulance rides. In fact, it covers many other medically necessary services as well. Generally, Medicare is only available for those 65 years or older.

In order to find out whether your car insurance or health insurance will cover an ambulance ride, the best option is to ask them. Every insurance policy is different, and they cover different things. It’s important to know what is being covered before an accident happens.

Does insurance cover 911 calls?

Generally speaking, there are no charges associated with simply calling 911. Instead, the costs come if someone needs to be taken to the hospital.

If an ambulance shows up at the scene of an accident and treats people on-site but does not take anyone to the hospital, there are generally no charges. This includes treatment for minor cuts, scrapes, burns, and other non-life-threatening injuries.

Car insurance will cover ambulance rides under the right circumstances, but many people are underinsured. Enter your ZIP code into the box below to compare free car insurance quotes today.

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