Does auto insurance cover an ambulance?

Car insurance will cover ambulance rides for the injured party if you are at fault. Ambulance rides may also be covered under a comprehensive insurance plan.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 25, 2021

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Here's what you need to know...

  • There is often no cost for an ambulance to treat minor injuries
  • Auto insurance will cover ambulance rides for the other party if you are at fault
  • Add-on coverage will provide coverage regardless of fault


When an ambulance is called, it is generally because someone is hurt. Determining whether insurance covers the cost of the ambulance will depend on various factors.

  • You need to determine fault
  • You must find out whether anyone actually took the ambulance to the hospital
  • You must understand what type of insurance you and the other party have

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The Role of an Ambulance

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If you are involved in a car crash, one of the first things you should do is call 911 in order to report the accident. The operator will ask if anyone has been injured. If there are injuries at any level, an ambulance will be sent to the scene of the crash.

The paramedics will treat basic cuts and burns on site as well as various other issues. Then, for more severe injuries, they will take the person by ambulance to the emergency room.

In many instances, there is no cost for an ambulance to show up at the scene of the crash. Even if the paramedics apply bandages or do something similar, there is no cost involved.

The city will often cover the cost of the ambulance. You pay taxes in order for this level of ambulatory service, though it can vary by city.

Now, if anyone is transported to the hospital in the ambulance, there will most likely be a charge. As for whether auto insurance covers it, it will depend on the details of the crash as well as the level of insurance in place.

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Who was injured?

If you caused the crash and you were the one injured, your insurance might cover the cost depending on the coverage you have. You have to look at your policy in terms of added coverage placed on your policy.

If you are the one responsible for the crash but the people in the other car are the ones injured, your insurance will cover their ambulance ride if you are in an at-fault state. If you live in a tort state, everyone’s insurance covers their own injuries through PIP coverage.

The basic insurance you are required to hold according to the state covers liability for bodily injury. The bodily injury coverage is what will pay the cost of injuries to the other party.

Whether your insurance covers the total cost will depend on how much coverage you have. Every state dictates the minimum level of coverage you have. You then have the ability to add more coverage for added financial protection.

Insurance will cover up to the amount you have on your policy, leaving any remaining amount to be your responsibility.

Just as other people would be covered if you are responsible for the accident and they are injured, the same goes for if you are injured and someone else is responsible for the accident.

You would have the cost of the ambulance covered because their insurance policy would take care of the expenses.

Out-of-pocket expenses will depend heavily on the type of coverage that you have on your policy, the level of injuries, and the deductible you have.

What kind of coverage do you have?

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The coverage you have is going to depend on the state you live in first and foremost. Virtually every state requires some level of insurance, including bodily injury coverage. Some states will also require Personal Injury Protection (PIP) or medical payments.

PIP or medical payments will provide you with protection if you are the driver and are the one taken by ambulance. It will also cover any passengers in your car if you are the policyholder.

If the state requires you to have this coverage, then you have what’s needed to pay for the ambulance. Otherwise, you will want to add the coverage to your policy. Even then, you might want to increase the coverage beyond the minimums.

Adding coverage beyond state requirements is often more affordable than you might think.

You can get quotes online to see what the monthly premiums will be. It’s possible to double or even triple coverage beyond state minimums without increasing your premiums significantly.

Ambulance rides are expensive. If you are involved in a car accident, you want to have auto insurance cover the costs. When you have the right insurance in place, the claim will be accepted, regardless of whether you are at fault for the accident or not.

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