Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer

UPDATED: Jul 14, 2021

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In a nutshell...

  • Who is at fault will often determine who covers ambulance rides
  • It’s important to have personal injury protection in place
  • If the other person doesn’t have insurance, you might need uninsured motorist coverage

If you are involved in an accident and injuries are severe enough that you need to visit the ER, you might need to be taken by ambulance.

The moment you get into the ambulance, there is a cost associated with it. You need to know whether auto insurance will cover.

Compare car insurance quotes to find the right insurer for your needs.

Whose fault is the accident?

You need to look at who was responsible for the accident. This determination of fault will often determine whose insurance will cover the ambulance ride.

If you were the one to cause the accident, then your insurance might be covering the other person’s ride in the ambulance. If you need to go by ambulance to the ER as well, you need to determine if you have sufficient coverage.

Twelve states have no-fault laws in place. It’s important to know if you live in one of these states as it will affect what you can try and recover from your own insurance company.

Often, accidents will be identified as no-fault and therefore a person can sue for injuries and pain/suffering, but only to the extent of the state law.

Your bodily injury liability, which is required by the state, would cover the other person’s trip to the ambulance. If the other person were to be at fault, it could be their insurance paying for you to go by ambulance.

However, you might have to pay the bills out-of-pocket and then recoup the money from their insurance company later on.

It’s critical for you to have sufficient coverage on your own policy. You don’t want to depend on anyone else’s insurance to take care of you and your medical needs.

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What kind of coverage do you have?

There are all sorts of different coverage levels that you might have on your auto insurance policy. The state minimums will require you to have liability coverage for bodily injury and property damage.

Then, you might have the following:

Collision and comprehensive coverage won’t take care of ambulance rides. Personal injury protection may, however.

If you’re the one responsible for an accident and you need to go to the ER as well, PIP will often take care of the ambulance ride within the limits of your policy. This would allow you to get the immediate medical attention without worrying so much about the financial impact.

Each of the different coverage levels has their way of helping you. Since you never know when an accident will happen or how severe it will be, you need to have a good auto insurance policy.

Getting quotes will allow you to add more coverage to see what the cost impact would be on your premiums. Often, adding a significant amount of coverage won’t cost much when spread out across monthly payments.

Coverage to Have to Cover Medical Expenses

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You need to have coverage in place so you aren’t paying large amounts of money out-of-pocket. You have to be realistic about the coverage you need to take care of medical bills.

  • PIP  Personal injury protection will cover you against some medical expenses, lost wages, and other components. The coverage varies by state.
  • Medical Coverage  If you are concerned about the total cost of medical care, including ambulance rides and the bills that come out of the hospital, this coverage will provide you with financial protection.
  • Uninsured Motorist  If someone doesn’t have insurance, you need to protect yourself with uninsured motorist coverage. This coverage will ensure that an ambulance ride would be covered if the other person is at fault but doesn’t have a policy.

Ambulance rides are necessary from time to time. If you’re conscious and have someone who can drive you to the hospital, it’s possible to refuse the ride as a way of saving money.

However, if you need immediate medical attention, it’s often best for the ambulance to take you to the ER. You need the auto insurance coverage as a way of providing you with sufficient financial protection.

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