Auto insurance in Pomona, CA, can help cover medical expenses after an accident. California is an at-fault state, meaning the driver found responsible for the accident is generally liable for the damages. However, that doesn’t mean every procedure you consider necessary will automatically be covered.
Necessary Reconstructive Surgery
Auto insurance can cover plastic surgery when it’s deemed medically necessary or qualifies as reconstructive surgery related to the accident. In most cases, a doctor will determine whether a procedure meets that standard. Most policies don’t cover elective or purely cosmetic procedures. You can speak with an agent at THINK Insurance & Financial Services to learn more.
Coverage Limits
Every policy has coverage limits, including the amount it will pay for bodily injury. As of January 2025, California’s minimum liability requirement increased to $30,000 per person and $60,000 per accident for bodily injury. If your medical bills exceed the at-fault driver’s policy limits, the claim may be denied beyond that amount, or you may need to pursue a lawsuit to recover the remaining costs. In situations like this, you may find yourself prioritizing which procedures need to happen first.
In some cases, your health insurance will cover the bill upfront, then seek reimbursement from the at-fault driver’s auto insurer. The same general rules still apply: plastic surgery typically needs to address something caused by the accident or restore an essential function, rather than serve a purely cosmetic purpose.
Agents at THINK Insurance & Financial Services can help you better understand this process. Our compassionate team will work with you to understand your situation and explain how your policy can help. Contact us today. We’re currently serving the Pomona, CA, area.
Recent Comments