no, your medical coverage can pay first.

https://www.615lawyer.com/does-my-car-insurance-cover-medical-expenses/

 

but it will need to pay back once you get reimbursed.

 so if yo dont like to pay your high deductible first then this is an option,

but why not use it to fulfill the deductible? you will get paid back eventually.

 TN is at fault state, so you have the choice.