What You Should Know About Health Care After An Accident Without Insurance

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 insuranceusually either because you do not buy your own individual policy or your employer does not provide itthen 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 muchsomewhere 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. For this reason you should really find the best injury attorney you can find so you have the best chance getting a good settlement.

Otherwise, you will still owe the doctor money.

Getting help to pay your medical bills if you are hurt in a car accident without insurance is fairly complicated. Luckily, accident attorneys have spent a lot of time in school and in their career learning to fight the insurance company. A qualified and respected injury attorney is the first person you should talk to if you get hurt in a cart 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. The settlement might not cover all of your medical bills, lost wages, or future medical problems. 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.

by: Jim Brown

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