Have You Been Injured in a Car Accident But Don’t have Medical Insurance?

Car Accident Lawyer

Getting injured in a car accident is stressful enough, but if you don’t have health insurance, it raises the stakes. You’re probably wondering how your medical bills will get paid. Bottom line, you are responsible for your medical bills as you incur them.

If another driver caused the accident, ideally, his or her insurance company will eventually pay the bills. The problem is that the insurance company isn’t required to pay them as they are accrued. You would pay the medical bills out of your settlement, which could take months to resolve. What are your options?

Talk to Your Healthcare Providers

As you accrue bills for medical treatment, you may want to talk to the providers about payment installments or a cash price for treatment. It can benefit you to make payments on the account to keep it from going to collections until you resolve your claim with the insurance company. Some healthcare providers might ask for a lien on any settlement you receive, to protect their interests. This is common practice, so don’t let it cause extra stress.

Your Own Insurance Company

Depending on your policy, your own insurance company may pay for your medical bills. No fault car insurance pays some or all of the bills, no matter who was at fault. Of course, if you didn’t have the type of insurance required, this would not be an option. It’s worth exploring for your own peace of mind.

Federal/State Health Insurance

Most states offer Medicaid, a federal program that provides health insurance to low-income people. If you lose your job and don’t have health insurance due to the accident, you should at least try to apply for Medicaid to cover you until you find another job. You’ll need to look for the state agency that handles Medicaid to determine whether you qualify or not. In some states, Medicaid may even pay for your past bills, but it depends on the laws and regulations in your state.

Save All Documents

Regardless of your situation, save all copies of medical bills and reports as you receive them. These statements will be presented to the at-fault driver’s insurance company as part of your claim.

Get Help From an Experienced Attorney

Talk to a car accident lawyer about your situation. You want to make sure that you are fairly reimbursed for your medical bills and other expenses under the law in your state. Your car accident lawyer in Central Phoenix, AZ will protect your rights and work to find the best possible outcome for you.

Thanks to Kamper Estrada, LLP for their insight into personal injury claims and car accidents without medical insurance.