• Stephen Longo

I’m Injured In a Car Accident but Don’t Have Health Insurance – Now What?

The cost of healthcare is out of control. In 2017, the number of people without health insurance increased to 28 million, more than ever before. Many that do have insurance have high deductible plans that require them to pay a large amount out of pocket. So, what happens when you’re injured in a car accident without health insurance or without the funds to pay for bills?

In short, if the car accident was not your fault, the at-fault person’s insurance is responsible for paying for those medical bills BUT there is a catch.

The insurance company WILL NOT pay for those bills upfront in Colorado.

The insurance company will just offer a one-time settlement which should include all of your medical bills. So, what happens if you’re still recovering from your injuries when the hospital bill comes in? The insurance company won’t pay it and you don’t want to be stuck with it.

In my previous post, I discussed MedPay coverage in Colorado as a “must-have” coverage because it can be used to help pay those bills, so you’re not stuck with it. Didn’t check that post out and add medical payments coverage to your policy? Uh-oh.

The at-fault person's insurance company won’t pay upfront. You don’t have health insurance or have a plan that makes it impossible to get medical care without incurring a big bill. What do you do?

You can see if that insurance provider will treat you on a “lien.”

A “lien” is an agreement where the medical provider will agree to be paid out of your settlement instead of being paid upfront. A valid lien is binding, meaning that your attorney will be obligated to pay the provider out of your settlement – so make sure it is the right thing for your situation. However, it is a way to get medical care from a provider who has experience dealing with injuries that can occur from auto accidents.

Having an attorney who is experienced with personal injury and car accident cases is important to making sure your medical bills get paid. Be sure to call The Longo Firm with any medical bill or car accident-related questions. We are committed to our clients and their cases. Clients are never just another client to us. They are never assigned a case number.

Clients First - Always.

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