In this video, Sevenish Law answers the question: Will auto insurance or health insurance pay my medical costs? In most cases, auto insurance will ultimately be responsible for paying accident-related medical costs. This could be your no-fault coverage, your comprehensive coverage, the at-fault driver’s liability insurance coverage or even your own UM (Uninsured Motorists) or UIM (Under-insured Motorists) coverage’s. But because it takes time to determine what insurance will cover you, hospitals may bill your health insurance first. If you have a lawyer, that person will sort out these very complicated insurance coverage issues on your behalf.