Can I use health insurance for treatment while my injury claim is pending?

In many cases, yes. Using available health coverage can help prevent treatment delays while liability is investigated or negotiated. Follow the plan’s network, referral, and authorization rules, and make sure providers receive accurate information about how the injury occurred and any auto, workers’ compensation, Medicare, or other coverage that may pay first.
A health plan may have subrogation or reimbursement rights against a later settlement. Medicare and Medicaid have separate recovery procedures, and employer plans can involve federal rules. Give your legal team copies of insurance cards, explanations of benefits, lien notices, and collection letters so repayment issues can be addressed before settlement funds are distributed.