<prompt> Human: I was on vacation driving my friends vehicle while he was working. I was driving on a major highway when the car in front of me snapped out of the lane to avoid a car that was stopped in the middle of the road. I didnt have enough time to react and hit it going about 30 MPH. Ive likely totalled my friends car which I feel shitty about. I had to go to the ER. Nothing major was wrong thought my leg was broken, it was just severely bruised and swollen but they refused to accept my insurance once they learned I was in a MVA. So right now Im freaking out about a few things since Ive never been in an accident before:1 Obviously I need to make things right with my friend. I am not sure how to go about this other than paying for his deductible and any expenses he incurs as a result of being out a vehicle that his insurance doesnt cover.2 The hospital refused to take my insurance. I am not sure how they can refuse to take it even though they are a participating provider in my health network. Am I going to get slammed for a ridiculous hospital bill? Can I just turn the costs over to my insurance and get reimbursed?3 What other costs am I potentially looking at? How do I need to prepare myself financially?The driver of the stopped car was not injured. His vehicle didnt seem like it was going to need a lot of work to repair but I am not a mechanic so its hard for me to judge.Id appreciate any advice you guys have for me.  <response>: for part 2, if the hospital wont do the ground work of sending the claim to medical insurance, youll have to submit the claim yourself. It could be that your medical insurance company will try to get money out of whoevers auto insurance is deemed at fault. I assume you have a copy of the police report? Please tell me theres a police report... If you are not at fault, there shouldnt be much you will need to pay out of pocket. Your friend, being the policy holder, will have to do most of the ground work getting this sorted out. Youll owe himher a huge favor, many cases of beer, or other friendly compensation for having them deal with this mess. 