In every car accident, whether major or minor, there is always the possibility of suffering an injury. Unfortunately, if you don’t have medical insurance, getting the treatment that you need for your injuries can seem difficult, if not impossible. While it can be an uphill battle, there are a few ways you can receive medical treatment after an accident without insurance.
Learn about some of your options for paying for your medical treatment after a car accident and be sure to consult a car accident lawyer.
Limitations of the Law
The biggest obstacle in getting medical treatment after you’ve been injured in a car accident and don’t have insurance has to do with laws related to car accidents. When you are in a car accident, you will generally be responsible for paying the medical bills that result from the accident. This is true even if the other driver is clearly at fault.
While the at fault driver will be required to compensate you for damages if you file a lawsuit and get a decision in your favor, these damages may not cover medical payments. Instead, you will have to seek treatment in other avenues.
States with No-Fault Rules
If you live in a state that governs car accidents using no-fault rules, then you may be able to pay for some of your medical treatments using your no-fault car insurance. No-fault car insurance is also known as personal injury protection (PIP), and filing a claim against your coverage may give you the compensation you need to receive medical treatment.
However, many no-fault states limit the amount that your insurance will pay for medical bills, so it’s best to consult an attorney to learn the specific rules in your no-fault state.
Pursuing Medical Payment Coverage
Some car insurance policies have what’s known as medical payment coverage. This coverage type is meant to pay for treatment of injuries that were caused by the owner of the policy. If the at-fault involved in your case has a policy that includes this form of coverage, filing a claim against this coverage can be a good way to pay for some of your medical treatments.
Unfortunately, the limits of medical payment coverage can be quite small, usually $10,000 or less. Once you’ve reached the coverage limit, your remaining expenses will need to be paid out of your own pocket.
Some serious car accidents result in injuries so severe that you can no longer work. If this is the case in your accident, then you may qualify for Medicaid, a government insurance program meant to give healthcare access to the impoverished, elderly and disabled.
If your accident prevents you from working and you now have little to no income, it’s possible for you to apply for Medicaid coverage. Should you earn approval and receive Medicaid benefits, your medical bills will be paid for and you will receive the treatment you need.
File a Personal Injury Lawsuit
If you’ve exhausted every other possibility for getting medical treatment after a car accident, you should consider filing a personal injury lawsuit with the assistance of a car accident lawyer. This can be especially advantageous if fault is clear in your case.
Whether you win your claim in court or accept a settlement, the damages you receive from a personal injury lawsuit can help cover your medical treatments so that you can finally recover from your injuries.
Hire a Car Accident Lawyer
If you’re looking for advice on the best way to get medical treatment after a car accident without insurance, you need to talk with a car accident lawyer from Harris and Graves, Personal Injury Attorneys.
We understand how stressful the aftermath of car accidents can be, especially if you are unable to access your needed healthcare, and we’re here to help you. Ask us about your potential for filing a personal injury lawsuit with the assistance of one of our experienced attorneys.