When you’ve suffered injuries in a car accident and don’t have health insurance, it can be extremely difficult to access the medical treatment that you need. Without quick and effective medical treatment, you’ll struggle to recover from your injuries, and your ability to live your life normally would be severely diminished. Fortunately, even if you don’t have health insurance, it’s still possible for you to receive the medical treatment that you deserve.
Learn your options for paying for medical treatment without insurance after a car accident and find out when to contact a personal injury lawyer.
Personal Injury Protection and No-Fault States
If you don’t have health insurance but live in a no-fault state, you may be able to pay for treatment using your personal injury protection (PIP) coverage. Many no-fault states require car owners to carry some level of PIP coverage, and these policies often provide some level of medical payment funding. However, depending on the rules of your specific no-fault state, the amount of your PIP coverage allocated for medical expenses may be limited.
Consult the terms of your PIP policy to see how much can be used for medical treatments.
File a Medical Payment Coverage Claim
Some auto insurance policies contain something known as medical payment, or MedPay, coverage. This coverage is meant to cover medical expenses the resulted from an accident caused by the policyholder. If the other driver in your case has an insurance policy that includes MedPay coverage, filing a claim against their insurance may be the best way to get the medical treatment that you need.
The only drawback to filing a MedPay claim is that your medical bills will only be covered to the limits of the policy. After this point, further expenses will have to be paid out of pocket.
Apply for Government Insurance Coverage
When an injury is serious enough, it can prevent you from working for an extended period of time and diminish your earnings, and if your earnings are low enough, you may qualify for a government insurance program like Medicaid. The Medicaid program allows people with little to no earnings to access needed healthcare services, and if your accident has limited your income, you may qualify for these benefits.
It’s important to understand, however, that you will only receive Medicaid benefits while your income remains low. If you can return to work and your earnings rise, you will lose your coverage.
Work with Medical Providers
Many people involved in serious car accidents consider filing a personal injury lawsuit. If you’re thinking about a lawsuit in your case, then you may be able to negotiate with medical providers to give you treatment. Some hospitals and other healthcare providers will provide you treatment if you allow them to place a lien against a future personal injury settlement. A personal injury lawyer can advise you whether you have a basis for a suit, and if you do, then you may be able to receive treatment after singing a lien agreement with a medical provider.
Hire a Personal Injury Lawyer
If you’re having trouble receiving the medical treatment you need after a serious car accident, you need to bring your case to Robert White, Attorney at Law. Discuss your case with Robert White or any other member of the Childs, Bishop & White, PC legal team, and you’ll be able to get advice on how to get your needed medical treatment and whether you should file a personal injury lawsuit.
Contact us today so that we can start working on your case.