Does auto insurance cover ambulance rides after an accident?
Auto insurance will cover ambulance rides after an accident if they are medically necessary. Personal injury protection, underinsured motorist coverage, and comprehensive coverage all act as auto insurance for ambulance services.
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Justin Wright
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Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
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UPDATED: Nov 27, 2023
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UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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If you are injured in a car accident, then emergency personnel may arrive on the scene. If your injuries are serious enough to require a hospital visit, then an ambulance might take you to the hospital. Does car insurance cover an ambulance ride after an accident? Or are you required to pay for ambulance transportation out of pocket?
Ambulances Are Covered By Car Insurance When Medically Necessary
Why is car insurance mandatory for most states? It is mandatory because traffic accidents can happen to anyone at any time. Car insurance is specifically designed to cover certain expenses after a car accident – including your medical expenses. If your ambulance ride was medically necessary, then your car insurance policy should cover the cost of the ambulance ride – just like any medical expense would be covered after an accident.
Read more: Does my auto insurance cover my medical expenses after an accident?
An ambulance ride is deemed to be “medically necessary” when you need urgent medical care. If you need medical supervision on the way to see a doctor, for example, then the ambulance ride might be medically necessary. Ambulance rides may be required for those with spinal injuries or concussions, but not for those with minor scrapes or bruises.
Unfortunately, an ambulance ride isn’t considered medically necessary just because you have no other vehicle to drive. If your car was totaled in an accident and you need to visit a doctor, for example, but you don’t have serious injuries, then your car insurance policy may not cover the cost of the ambulance ride.
Just because your car is undrivable doesn’t mean you receive a free ride in an ambulance – unless, of course, the emergency ambulance service is deemed medically necessary.
However, not all car insurance policies will cover ambulance rides. If you caused the accident, for example, and have the least amount of car insurance legally required, then your ambulance ride may not be covered by car insurance.
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Which type of car insurance covers ambulance rides?
Different states have different rules regarding car insurance. Depending on your state and your car insurance policy, different types of car insurance may cover your ambulance ride.
Some of the types of car insurance that could cover your ambulance ride include:
Personal Injury Protection (PIP): 12 states in America are no-fault states. These states require drivers to have personal injury protection (PIP) car insurance. This type of coverage will pay for your medical bills after an accident regardless of who was at fault. Your ambulance fee will be covered under your PIP coverage.
Medical Payments: Medical payments coverage is an optional type of car insurance policy available but not required in most states. It functions in a similar way to traditional car insurance and is somewhat similar to PIP. Medical payments coverage will cover your ambulance ride after an accident.
Uninsured or Underinsured Motorist Coverage: Not all drivers carry auto insurance coverage. Approximately 1 in 7 drivers in the United States does not have car insurance. Many drivers carry too little car insurance – like only the bare minimum amount legally required. For this reason, you might be unable to claim expenses like an ambulance ride even if the other driver was at fault. In this situation, you could use your own uninsured or underinsured driver insurance. Some states require you to have this coverage.
The Liability Coverage of the Other Driver: If another driver is at-fault in the accident, then the other driver’s liability coverage may cover your ambulance ride. All drivers in America are required to have bodily injury liability coverage to cover the medical expenses of other people they injure while driving. If the other driver was at-fault for the accident, then your ambulance ride can be claimed under the other driver’s liability coverage for bodily injuries.
If you are at fault for the car accident, then your auto insurance coverage may not cover your emergency transport or ambulance ride. Your ambulance ride will only be covered in an at-fault accident if you have personal injury protection or medical payments coverage. In certain cases, however, your medical insurance or health insurance policy may cover ambulance expenses.
Your Health Insurance Policy May Cover an Ambulance Ride After an Accident
Does insurance cover ambulance rides? Typically, car insurance policies will cover all applicable costs of an accident, including ambulance rides. If your car insurance is used up, or if the other driver’s car insurance is used up, then your own health insurance may cover ambulance rides.
Your own health insurance may also cover ambulance rides if your car insurance doesn’t cover ambulance rides whatsoever. If you were at fault for the accident and have no personal injury protection coverage or medical payments coverage, for example, then your health insurance may be the primary insurance used to cover an ambulance ride after an accident.
How much does an ambulance ride cost after an accident?
The cost of an ambulance ride varies widely across the United States. Sometimes, an ambulance ride can cost you “just” $500 or $1,000. In other cases, a single ambulance ride can cost $5,000 or $10,000.
If an ambulance simply shows up at the scene of an accident and doesn’t take anyone away, then there may be no charge. Even if the paramedics provide basic emergency support – like applying bandages to victims – the ambulance may not charge a fee.
Other factors that determine the cost of an ambulance ride or emergency transport include your location, whether the ambulance company that arrives on-scene is for-profit or non-profit, and the type of medical service you receive from the paramedics.
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Conclusion
Ultimately, if you have car insurance or health insurance, then your ambulance ride should be covered. You can claim an ambulance ride under your medical payments coverage, your personal injury protection coverage, or the bodily injury liability coverage of the other at-fault driver. If you are at fault for the accident, however, and do not have medical payments coverage or personal injury protection coverage, then your ambulance ride may not be covered.
The interaction between insurance policies and insurance companies can be complicated. In some situations, your health insurance policy may cover the ambulance ride first. In other cases, your car insurance policy will be first. The best way to determine who will cover your ambulance ride after an accident is to contact your insurance provider.
Frequently Asked Questions
Does auto insurance cover ambulance rides after an accident?
Auto insurance will cover ambulance rides after an accident if they are medically necessary. Personal injury protection, underinsured motorist coverage, and comprehensive coverage all act as auto insurance for ambulance services.
Which type of car insurance covers ambulance rides?
Different types of car insurance may cover ambulance rides depending on your state and policy. Some types that could cover ambulance rides include Personal Injury Protection (PIP), Medical Payments, Uninsured or Underinsured Motorist Coverage, and the liability coverage of the other driver.
Will health insurance cover an ambulance ride after an accident?
If your car insurance doesn’t cover ambulance rides or if your coverage is exhausted, your health insurance may cover the ambulance ride after an accident.
How much does an ambulance ride cost after an accident?
The cost of an ambulance ride varies widely, ranging from around $500 to $10,000. Factors such as location, ambulance company type, and the level of medical service provided can influence the cost.
What if I am at fault for the accident?
If you are at fault for the accident, your auto insurance coverage may not cover the ambulance ride. However, if you have personal injury protection or medical payments coverage, it may still be covered.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.