In this state no injuries due to automotive accidents are covered by health care insurance at all none is 100% by your auto insurance... if you live in Washington state be sure your auto insurance will cover all your injuries due to an auto accident your health care insurance won't cover anything...
I used to sell life/health/property insurance in another life, less surprises when YOU take a Saturday and review all of your policies. In the last 5 years companies have been excluding once covered expenses more and more and don't be surprised what is excluded.
The majority of carriers have changed how the policies are written to a somewhat understandable format so be sure and review/read it twice and understand what your rights are as a policy holder/insured are......
Edit: Life insurance policies cannot be modified once purchased and underwritten unless you do not pay the premium and has it own set of laws.
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