<prompt> Human: Hey all,As the title says my wife was rear-ended two weeks ago and out of an abundance of caution, we went to the ER to have everything checked out as she is now 37 weeks pregnant. Thankfully, everything checked out OK. Some details about the accident, she was turning to get onto an access road and yielded to traffic that was already on the road and she was rear-ended by the driver behind her. Minor damage to her car but enough that I want to get it fixed. On top of that, we took her to the ER a few hours later as she got dizzy, lightheaded, and nauseous and Im sure a little anxious as well. We are currently still waiting on the people who hit her to confirm with their insurance that they actually hit her, not sure why this is a holdup but its getting old. What are my option to speed this process along? We do have pictures of the vehicles, but unfortunately no police report.Also, we have a 5k deductible and a 6250 OOP maximum on our insurance. It looks like the ER trip is going to run about 1000. Does this go towards her OOP maximum even if the insurance for the other driver covers it?  <response>: If they are at fault their car insurance should pay for the hospital visit in full and you may get a settlement. If they say they are not at fault or its no fault you can then use your own car insurance and they will pay for in full and you also may get a settlement. I was rear ended a few years ago at a stop light and went to the hospital for a concussion. My car insurance paid for the visitthe person who hit me drove off and I got a few thousand in settlement money a few months later. You should not have to pay anything or use your health insurance as long as you told the hospital it was from a car accident and let your insurance know that she went to the hospital. You will also have to provide all hospital bills to your car insurance so they pay them. Now this all assumes that the hospital bills are under a certain amount if they are extremely highlike 5k thats when you may have to pay or sue the other driver but it seems like they are not so you should be fine! Also you should have got a police report always get a police report even if its minor. It makes the process easier usually. 