What to Do After an Auto Accident if You Don’t Have Medical Insurance

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By Matthew D. Newman, Esq.

It’s not unusual for someone who has been involved in an automobile accident to need medical treatment. Often people hesitate about going to the hospital or seeing a doctor because they lack medical insurance. However, there are other ways to pay for medical treatment and services required after you are injured in an accident.

Three Alternatives to Paying Medical Expenses If You Don’t Have Medical Insurance

1. Look At Your Auto Coverage

Many automobile insurance policies include something called “Medical Payments” or “Med Pay” coverage. This coverage may be available through either your own auto insurance policy or the policy of the person or company responsible for the collision. Medical Payments coverage means that the auto insurer will cover a certain amount of the medical expenses for injuries related to the accident. While it may not cover all of the costs, you may find that it is adequate to pay for treatment of your injuries. If you have Med Pay coverage through your own policy, you should contact your insurance company as soon as possible after the accident so they can begin the process of paying expenses. Also, you should provide the hospital and doctors with your auto insurance policy information so that they can submit bills for payment. If you are unsure whether you have Med Pay coverage, you should contact your insurance company or agent. If you are contacted by the insurance company of the responsible party, ask them if Med Pay coverage is available. Med Pay can help pay for medical bills regardless of who is at-fault in the accident.

2. Consider Hiring An Attorney

If you’ve been injured in an auto accident for which someone else is responsible, you may be able to sue for compensation, including your medical expenses. While it sounds counterintuitive to hire an attorney when you’re already struggling to pay bills, consider that many personal injury attorneys work on a contingency basis – they are not paid until after you win your case – and in many cases, it will be the responsible party who must pay the fees.

3. Wait For A Settlement Offer

Many injured parties wait for the auto insurance company to offer a settlement with the intent to use that money to help pay for medical treatment and expenses. If you choose to go this route, don’t accept a settlement offer until you know the full extent of your injuries and potential medical bills. It’s important to see a doctor right away. Knowing the full extent of your injuries and having an estimate of the total medical expenses you will incur makes it less likely that you will accept an inadequate, early settlement offer.

4. Legal Advice Can Help You Find Funding Resources

If you have been injured in an auto accident and don’t know how you’ll pay your medical bills, consult a personal injury or car accident attorney right away; they will advise you of your options and pursue reparations on your behalf while you focus on healing.

There is no need to let medical bills overwhelm you. There are funding resources available; you just need to know where to find them.

Ventura, Ribeiro & Smith has been helping accident victims throughout the State of Connecticut for more than 55 years. With its main office locations in Danbury and Bridgeport, Connecticut, Ventura, Ribeiro & Smith focuses on personal injury claims, motor vehicle accidents, workplace accidents and workers’ compensation, mass torts and complex pharmaceutical and medical device litigation. For more information, visit or call (203) 800-8000.

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