I Was Hurt In A Car Accident With No Health Insurance. What Should I Do?

You need to seek immediate medical attention if have been injured in a car crash. But what if you don’t have health insurance? In this case, you might hesitate to get the medical treatment you need.

The good news is that a San Luis Obispo car accident lawyer from our firm can help you find ways to pay for your medical care after being injured in a serious car accident with no health insurance. Our lawyers work on behalf of their clients to ensure that they have top-quality healthcare and compensation to help them pay for these expenses. Keep reading to learn more.

car accident no health insurance

What should I do after being hurt in a car accident with no health insurance?

When you are involved in a car accident without health insurance and are not at fault, you may begin to feel stressed, frustrated, and even overwhelmed. It is understandable to wonder how you will afford treatment for an accident you didn’t cause. However, if you do not get the medical assistance that you need as quickly as possible, your injuries could become much worse than they already are. Depending on the types of injuries you suffer, this could lead to permanent disability, disfiguration, paralysis, or even death.

It’s important to remember that if you do not see a licensed medical provider immediately after the accident, it can be extremely difficult for your car accident attorney to prove that your injuries were severe or life-threatening. The reason for this is that car insurance companies will argue that your injuries were not serious enough to need immediate medical attention, which could compromise the outcome of your case and affect the compensation you receive. This compensation could help you pay for your accumulating medical bills, but your attorney must be able to show the following:

  • The defendant caused your car accident by acting negligently.
  • The car accident and the defendant’s behavior directly caused your injuries.
  • Your injuries were severe enough to need medical treatment.

If you continue to put off visiting a doctor or physician regarding your injuries, the insurance company may think your injuries did not happen because of the car accident. This could reduce the amount of compensation that you are awarded.

How am I going to pay my medical bills?

It is common for victims of car accidents to worry about how they will pay for their medical expenses. However, you should know that there may be options to help you. For example, California has a Medi-Cal system, which is Medicaid, to help low-income children and adults pay for their medical treatment. Even if you think you do not qualify for Medi-Cal, you should still complete and submit an application to see.

Another potential option is MedPay, which is medical payment coverage that may be included on your car insurance policy. Some people who are involved in car accidents find out that they have MedPay. Therefore, their insurance plan covers some of their medical bills.

If you do not qualify for Medi-Cal and do not have MedPay, you can talk to the hospital or doctor’s office to set up a payment plan. This is a recommended option as it allows individuals to pay an amount they can afford every so often for their medical bills.

Call a San Luis Obispo car accident lawyer today.

The car accident attorneys with Ernst Law Group will do everything we can to find programs to help you pay for your medical bills and file a claim against the individual who caused your accident. The liable party must cover your healthcare expenses and other losses due to their negligent actions, which we will work tirelessly to prove.

All you have to do is fill out our contact form or call (805) 541-0300, and we will schedule your free appointment to begin discussing your case.


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