The health insurance would see in the medical records that it was from an accident, and they would insist that a claim be filed with the auto carrier. I don’t think you can get around having the auto insurance involved. Yes, she is liable for the deductible, regardless. My son was in a very serious auto accident in late 2005, and I was still dealing with the bills (he was in the Marine Corps, and the bills came to our house, not his base) for about 15 months after the fact. The applicable car insurance paid first, $5,000, and then the rest of the bills went to Tricare, something along the line of $90,000.
“The applicable car insurance paid first, $5,000, and then the rest of the bills went to Tricare”
Another inequity. If we all have the same health insurance, and same deductible, but different auto insurances, we potentially are unequal in our coverage. That is, 3 of us have an accident resulting in $100k in medical. We all owe $2k deductible. Your auto insurance pays $5k, mine pays $10k, and the other person has auto that pays $20k.
Understand, I’m not arguing with you, just commenting on the odd construction of the system.
It seems to me there is no incentive to pay the extra to the auto insurance companies to have the higher medical coverage, as long as you have health insurance.