If you have ever been to the hospital, you know how expensive medical bills can be. If you are hurt in a car accident and are not covered by insurance—usually either because you do not buy your own individual policy or your employer does not provide it—then you will be required to pay quite a bit for your expenses out of pocket.
What else can you do to help pay medical bills?
First, there is what’s called MedPay, which may be on your car insurance policy. You need to always read and know your car insurance policy because it may or may not include partial medical coverage. If your insurance does include MedPay, it is usually not that much—somewhere around $1000-$5000 to help pay medical bills. And this doesn’t cover whatever problems may happen in the future as a result of the injuries you’ve already sustained.
What else can you do?
If you are hurt in a car accident, you might also be able to go to a doctor who will treat you on a “lien” basis. Most of the time, as long as someone else caused your car accident, some doctors will treat you as long as you agree to pay them from whatever future injury settlement you get. This means you really have to get a good car accident lawyer who will make sure your case is successful as possible to help pay your medical bills.
If you don’t get a big enough settlement, you may still owe your doctor money.
If you don’t have health insurance, you are going to need to find help to pay your medical bills if you are hurt in a car accident. Luckily, accident attorneys have spent a lot of time in school and in their career learning to fight the insurance company. These experienced car accident lawyers are the first people you should call after you get in a car accident; that is, after you receive whatever medical procedures that are necessary. If you don’t talk to a car accident lawyer, you might make a mistake when talking to the insurance company and get a much lower settlement than you need, leaving you without help pay medical bills. What you get may not be able to pay for every bill or any possible future complications. That’s why, if you are hurt in a car accident and need help to pay medical bills, it is most likely in your best interest to talk to a car accident lawyer if you don’t have insurance.
Written By: James Brown
Jim Brown is a personal injury attorney based in St. Louis, Missouri. He has written several publications, including a guide for accidents in Missouri and Illinois. You can request a free copy of, “I Survived! The Crash Victim’s Guide to Dealing with the Aftermath,” to help you get through the post-accident period by going to his website at http://www.CastleLaw.net and clicking “Contact Us.”