Does My Car Insurance Cover Air Ambulance Transport After a Crash?
June 4, 2026
Will Car Insurance Cover Air Transports After an Accident?
If you have air ambulance or medevac insurance, your insurance company will usually pay for all or a portion of the air ambulance bill. However, it’s essential to understand that not all auto insurance policies will automatically cover air ambulances.
Air ambulances are responsible for saving the lives of thousands of people every year. In many cases, injury victims aren’t always in a state where they can deny an air ambulance based on the price. As a matter of fact, in many emergencies where ground transport is too slow, injured people are rarely conscious or able to make decisions for themselves. This is why it’s so important to have air ambulance insurance.
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Air Ambulance Insurance
Air ambulance insurance can be either through your car insurance company or your health insurance company. Having air ambulance insurance through your health insurance company can help with medical emergencies that aren’t related to vehicular accidents, such as pregnancy-related emergencies, heart attacks, and strokes. Having air ambulance insurance through your car insurance company will cover some of all the cost of air transports for injuries related to car accidents.
If you are unsure whether you have air ambulance insurance or not, be sure to contact your car insurance provider.
What Happens If You Don’t Have Air Ambulance Insurance?
If you don’t have air ambulance insurance through your health insurance or car insurance provider, ask them to add the insurance right away. You never know when an accident can lead to a severe injury that requires medevac services.
If you don’t have air ambulance insurance, you could be stuck paying the entire bill for the Medevac transport. According to Air Ambulance Worldwide, “Most plans cover between $100,000 and $500,000 of medical evacuation and repatriation.” So, having no insurance could mean you’re facing a six-figure bill in addition to any other medical bills you have due to your injury.
How Ron Bell Injury Lawyers Helped Our Client Who Was Stuck with an Air Ambulance Bill
New Mexico roads can be difficult for ambulances to maneuver, and rural areas can be far from hospitals equipped to handle severe traumas. The experienced car accident attorneys at Ron Bell Injury Lawyers are not surprised when they see clients with staggering air ambulance bills. In one case, we had a client who had a potential brain bleed. She was transported by air ambulance to a hospital in Texas because the nearest hospital to her accident was too small and ill equipped to handle a brain bleed.
Thankfully the original diagnosis was incorrect, and our client did not have a brain bleed (medical imaging at the second facility showed that her brain was not bleeding). Unfortunately, she was surprised by the air ambulance company when they sent a bill for $94,996 for the transport. However, she had our experienced New Mexico car accident attorneys on her side.
We reviewed her bill and disputed the charges. The air ambulance company claimed that they did not have health insurance from our client. Our attorneys were meticulous in combing through our client’s paperwork, and we found a small reference in the transfer paperwork that discussed her insurance information. The air ambulance bill for the client went from nearly $95,000 to $5,000.
Not only did we help her save almost $90,000 on an air ambulance bill, but we were also able to secure policy limits from insurance company representing the person responsible for the car wreck that caused the injury as the underinsured policy limits from her own carrier. Our experienced negotiators were able to settle the client’s case for $300,000.
At Ron Bell Injury Lawyers, we don’t just fight for our clients to get the compensation they deserve; we also fight to make sure our clients aren’t getting taken advantage of in the medical and insurance systems in the United States. When you call us, we listen to your story, and we know your story doesn’t end with that initial phone call. We are dedicated to fighting for you, so call today for your free case evaluation.