Insurance companies will pay a higher premium to insure a casualty than they will for a non-injury claim.
But insurers will also pay more for a claim if a victim is not injured and is not seriously injured.
A key question is how much of a premium difference there will be.
If the premium difference is significant, it could result in higher deductibles or limits on coverage, said Jeff Greenfield, chief of health insurance for the non-profit Consumers Union.
For instance, a claim for a $1,000 car accident could cost $7,500 to $12,000 in deductibles, he said.
A claim for $1 million could cost only $5,000, he added.
Some of the higher premiums are likely to be due to the fact that insurers have to pay more out of pocket for claims.
In a 2012 report, the Government Accountability Office said that insurers were paying about $20,000 more per claim for non-insurance claims than they were for insurance claims.
For most claims, the amount that insurers will pay is much lower, said John Moseley, a senior vice president at Aon Hewitt, an insurance consultancy.
That’s because most claims involve minor injuries, such as minor cuts or bruises.
A 2015 study by the American Medical Association concluded that a person who was injured during a car accident is most likely to need a long-term medical care facility that will pay for it.
“It’s a big deal if they don’t have a hospital,” said Mosely, who said that many people do not have the money to pay for medical care.
Some insurance plans have higher deductives for claims that do not result in a major injury.
In 2015, a person with a major head injury in an automobile accident could be required to pay $13,000 for a comprehensive medical bill.
But if that claim is not considered serious enough, it may not qualify for a deductible.
So, a non-$1,500 car accident would require a $15,000 medical bill to be paid out of the insurance’s pool.
“If the deductible is so low, and the person can pay for their medical care out of that, they may want to look elsewhere,” Moselyn said.
The best way to protect yourself is to wear your seat belt, take off your shoes and buckle up your seatbelt, he suggested.
And if you are in a crash or have a medical condition, wear a helmet.
Consumers Union is a nonprofit consumer organization that advocates for better consumer protection.
You can follow FoxNews.com health and science editor Tami Fitzgerald on Twitter at @tami_fitzgerald.
The Associated Press contributed to this report.