Yes. Your health insurance is your primary coverage. BUT, if you are hit by a driver, it is the drivers fault and you are awarded a bodily injury settlement, your health insurance company WILL file a lien to recover that money.

That sux for two reasons, first, why have you been paying health insurance premiums if your provider covers it's payouts by taking your injury settlement? Second, be aware that most drivers carry minimal bodily injury coverage. You could receive a $10-15k settlement from the drivers insurance company and that is ALL! In the meantime you are incurring all kinds of costs and your health insurance company is taking the only settlement available for your injury.

Just check out your UM/UIM insurance. That's all. It's probably the cheapest thing on your auto insurance policy and it can pay enormous benefits if hit by a negligent driver.