Can I Get Treated for an Auto Accident Injury without Health Insurance?
If unfortunately, you have suffered an auto accident injury and there is no health insurance cover to bear your medical bills, you are in one of the toughest of situations. Although you can file a suit or personal injury claim to win compensation for medical expenses and damages, it would take months to reach a decision and doing so without your own attorney is challenging.
However, if the other person who is at fault and caused an injury to you, he/she is responsible to pay the damages. Even if you don’t have health insurance, you can claim the medical expenses in case you have been injured in a car accident. Depending on the circumstances of a case, you can seek such benefits through one of these methods.
It’s a federal health insurance program, which offers health insurance to low-income citizens via respective state agencies. This is so, as the health insurance facility isn’t provided directly by the federal government, rather the funds are sent to the states for further distribution.
An individual who suffered an auto accident injury and as a result lost his/her job and/or health insurance, it is possible for him/her to get the Medicaid. It is not a charity, but a health insurance program, which is designed by the federal government to facilitate the people having low-income.
No-Fault Car Insurance
This type of insurance is available in some of the selected states. It binds the car insurance company to bear some or all of your medical expenses and other damages if you suffer an auto accident injury. Irrespective of the fact that whose fault was there for an accident, the injured person is provided with the complete medical insurance cover.
This particular relief is also known as Personal Injury Protection (PIP) claim. However, the rules regarding this claim may differ in various states. Some of them offer claims without any limits as to the medical bills. Whereas there are some states that provide a limited insurance cover and the exceeding amount is to be paid by you.
Other Payment Arrangements
In absence of health insurance, the victim of an auto accident injury may work out some other payment arrangements. A few chiropractors and physicians offering specialized service to treat car accident victim, do offer their services on payment. Even if the patient isn’t covered with medical insurance, the health services are provided to the victims on a promise to pay all the expenses from the proceeds of PIP claim or lawsuit.
This situation requires that the practitioner or service provider will enter into a payment arrangement accord with the patient. Here, the patient will sign a personal injury lien, which is then sent to the lawyer of such a patient. This type of contract puts the patient under a liability to pay all the medical bills from the amount received through the verdict or settlement. The patient’s lawyer is authorized to provide the verdict or settlement proceeds to the physician or chiropractor, who offered their services. The remaining amount is then handed over to the patient of an auto accident injury, who had won the claim.