What If I’m Injured in a Car Accident but Don’t Have Medical Insurance?

Call (800) 863-5312 to Speak with a Colorado Springs Car Accident Attorney for Free

Being in a car accident is stressful, but when it involves an injury and no medical insurance, the experience can be overwhelming.

It may be tempting to ignore minor injuries and tough it out. However, getting medical attention promptly is the best thing for your health and your personal injury claim. Even if you do not have medical insurance, it is likely your medical expenses will be covered when your accident claim is resolved.

If you or a loved one has been injured in a car accident, call Zinda Law Group at (800) 863-5312 for a free consultation with a Colorado Springs auto accident lawyer.

Paying Medical Bills Before Resolving a Personal Injury Claim

If the other driver in the car accident was the cause of your injuries, you may be entitled to compensation for your medical bills and other damages, but you will not receive this money until after your claim has settled or at the conclusion of your lawsuit.

Generally, it will be your responsibility to pay your medical bills as they arise. So, how can you cover the medical bills prior to receiving compensation? There are some ways to either get your bills paid or to relieve some of the financial burden. Some common methods for paying medical bills include:

  • Personal Injury Protection (PIP)
  • “Med pay” coverage
  • Medicaid
  • Working out payment arrangements with your health care providers

PIP and “med pay” are optional protection plans you can have added to your auto insurance policy. If you have either of these coverage options, your insurance company will cover your medical expenses even if you were the one at fault. Both PIP and “med pay” coverage apply immediately, so they will pay medical bills as they arise and up to your policy limit. Once your policy limit is reached, you will be responsible for medical expenses exceeding the limits.

Find out if you qualify for Medicaid. Medicaid is a government-designed health insurance plan for low-income people. Your state Medicaid office will be able to evaluate if you qualify for this coverage.

Another option for covering your medical bills is to discuss the circumstances with your health care providers and work out a payment plan. Often, patients can enter agreements to pay their medical bills from the proceeds of their settlements or verdicts. In these instances, the patient will sign a personal injury lien. This lien requires the lawyer to pay the lien holder from the compensation the patient receives from a settlement or lawsuit.

Our Colorado Springs Car Injury Lawyers Can Help

Following an accident, your number one concern should be to get medical care. If you need assistance in navigating your insurance claim or feel it may be necessary to file a lawsuit, an experienced personal injury attorney can guide you. Having the right attorney will help relieve anxiety as you seek compensation.

At Zinda Law Group, our knowledgeable car accident attorneys have helped thousands of individuals get their lives back on track after a car accident. We can help you build the strongest case possible and pursue maximum compensation for medical bills, property damage, loss of income, pain and suffering, and more. We also work on a contingency fee basis, which means you pay nothing unless we win your case.

If you or a loved one has been hurt in a car wreck, call Zinda Law Group at (800) 863-5312 for a free consultation with one of our experienced car accident lawyers in Colorado Springs. Meetings with attorneys by appointment only.