Car crashes can happen at the worst possible times, including periods when you are without health insurance. Immediately after a car crash, your priority should be to get the medical care you need as soon as possible. No one should ever delay needed medical care because they do not have health insurance. You have several options for paying medical bills after a car crash.

Right to Emergency Care After Accident

After a car crash, you have a right to emergency care, and you should go to the closest emergency room if you are seriously injured. This necessary emergency care cannot be denied because you don't have health insurance. You may also seek insurance coverage through Medicaid after a car crash. "Emergency Medicaid" can provide temporary medical coverage for uninsured individuals who urgently need medical care and meet specific criteria. Never delay seeking the necessary emergency care.

Medical Coverage From Your Auto Insurance

Even without comprehensive medical insurance, you may have medical coverage under your auto insurance policy. Under VA Code § 38.2-2201, your car insurance company must provide you with a personal injury protection policy, or Med Pay coverage, upon your request. After a car crash, you should review the terms of your policy and determine if you have Med Pay coverage and in what amount. 

Insurance Claim for Medical Bills

Retaining a personal injury attorney immediately following a car crash allows you to immediately pursue damages (and payment of medical bills) from the at-fault driver or from no-fault coverage. Under Virginia Code § 46.2-706, all drivers must have minimum auto liability insurance. You can file an insurance claim for medical bills from that insurance company. This coverage typically happens at the end of your case, and you likely need coverage immediately. Remember that seeking medical care is in your best interest, so you must fully ascertain and understand your injuries before settling. Many medical care providers will treat you and wait for payment until after settlement. Your attorney can assist you in finding a qualified provider who can diagnose and treat your injuries.

If you've been injured in a car crash, don't hesitate to contact Ackerman & Falcon with your questions and concerns. Our experienced attorneys are dedicated to fighting for you. Call us today at (703) 288-1400 or schedule a free consultation online.