One minute you’re happily driving along and the next, you’re in an accident and need medical attention. A car accident can change your life instantly.
If you don’t have health insurance, there’s even more to worry about. Too many accident victims don’t get the care they need due to a lack of insurance.
Depending on the circumstances, you may be able to obtain compensation for your medical bills and other damages if you file a personal injury claim.
If you’re injured in a car accident with no health insurance, you need the assistance of a car accident lawyer. If you’re in this situation and wondering how to handle it, we can help!
Here’s a guide for accident victims without health insurance.
What Will the Insurance Company Pay?
If you’re injured in an accident and don’t have health insurance, you may have to negotiate with the insurance company of the at-fault driver. The proof of your case begins at the scene of the accident and ends at the conclusion of your medical treatment.
The insurance company will wait until you reach “maximum medical improvement” (MMI) before settling your claim. In this situation, you are seeking compensation for the medical expenses you’ve already paid.
If the insurance company wants to settle your claim before you complete medical care, they may be offering less than what you deserve. Consult a car accident lawyer right away for assistance.
You may be entitled to receive compensation for your medical bills, lost wages, pain and suffering, and more.
Injured in a Car Accident With No Health Insurance
Lack of health insurance is a problem many people face. You may be between jobs or work for a company that doesn’t provide insurance.
Medical providers expect payment at the time of service. This can make obtaining the right medical care difficult if you don’t have insurance.
The good news is it’s not impossible to get the care you need after an accident. Your health depends on it and so does your potential compensation.
Don’t try to put off medical care if you’re hurt or injured. The situation could get worse and put your health and life in danger.
Some injuries aren’t immediately noticeable following a crash. There can be a delay in the symptoms of a back, neck, or brain injury for days or weeks following an accident.
Don’t take chances. Following an accident, many people go to the emergency room for medical treatment. An ER visit should occur early in your treatment, preferably on the day of your accident.
You want to show a clear link between your accident and injuries for your accident claim. It’s important to seek medical treatment as soon as possible.
Avoid going to the emergency room repeatedly. The ER is not ideal for ongoing care.
If you have an emergency, go to the ER. For other types of medical care, go elsewhere.
You don’t want to risk the insurance company refusing to pay your claim due to excessive ER bills.
Urgent care may be a good choice if you believe your injuries are not serious. But it’s important to remember that some injuries are not immediately apparent.
The stress and trauma of a car accident can mask some injuries. You may not realize you are seriously hurt until later.
The ER has better diagnostic equipment and technology, but an urgent care center is much less expensive. Urgent care facilities can be a good choice for follow-up care after your initial ER visit.
They offer flexible appointments and can refer you for further treatment if needed.
Paying Without Insurance
If you don’t have a way to pay your medical bills, some providers will attach a “lien” to your bill. This allows you to receive medical treatment with a promise to pay out of your potential car accident settlement.
Other facilities do not attach liens. They will set up a payment plan for monthly payments of your bill. If they try to get immediate payment, let them know your injuries are the result of a crash.
They may give you the option to pay once your case is resolved.
Car Accident Clinic
If you’re injured in a car crash due to another driver’s negligence, it’s a difficult situation to face. A car accident clinic may be the best option for you.
These clinics offer medical care with a holistic approach to health and well-being. This focus on wellness can be good for your recovery and overall prognosis.
If you’ve been injured in a car accident at no fault of your own, it’s important to contact a car accident lawyer as soon as possible. If you lack health insurance, you still need prompt medical care.
An experienced car accident lawyer can recommend a Florida accident clinic to provide the care you need as you recover.
Other types of injury treatment or care you may need following a car accident include:
- Chiropractic care
- Massage therapy
- Mental health treatment
Get the Medical Care You Deserve
Being involved in a car accident is stressful enough. If you’re injured in a car accident with no health insurance, the situation is even more complicated.
You must put your health first and get the medical care you need to begin the path to recovery. It’s normal to worry and wonder how to handle it.
There are options for care, even if you don’t have insurance. At 388CEDA, we can help you get started with the right legal and medical services.
Our physicians can help you get the proper diagnosis, treatment, and documentation you need for a successful claim.
Contact 3888CEDA today for a free confidential consultation.