Insurance companies vary on their guidelines but medical insurance on auto insurance policies usually only pays in excess of what your personal or primary medical insurance does not pay. This would especially hold true if your coverage with your auto insurer was excess medical insurance and thus the terms of it probably state that they will only pay after your private health care provider pays first.

Excess medical coverage normally only pays out after you have exhausted your major medical coverage, the uninsured and/or under-insured motorist coverages, or the other person's bodily injury liability.

Excess Medical Payments is a type of optional coverage is different from medical payments coverage in that it covers only those reasonable and necessary medical expenses, up to the policy limit, which are not covered by another source, such as health insurance or another person's auto insurance.

Excess Medical Payments is different then coverage provided by a regular medical payments policy. Medical payments is an optional coverage which pays, up to the policy limit per person, for medical expenses regardless of fault for you and the occupants of your covered vehicle who are injured in an automobile accident. It also normally protects you and the relatives living in your household if they are injured in someone else's car, or by a car as pedestrians. All reasonable and necessary medical expenses are covered within the period of time specified in your policy.

You will need to read through the terms of your auto insurance excess medical insurance to see exactly how claims are accepted and denied. Your agent should be able to go through your policy with you if you have questions and advise you if your medical bills can be refused if you do not submit them to your medical insurance carrier first before placing any excess with your auto insurer.