If you’ve just been injured in a car accident, it can be a scary time.
This is especially true if you don’t have automotive or medical insurance since you’re likely to be more worried about the cost of your injuries than whether or not you’ll recover. Even so, many injuries after a car accident can be quite serious, particularly injuries to your spine or head.
When you’ve been involved in a serious car accident, it’s crucial that you get proper medical care, even if you don’t have insurance. That being said, there are a few ways to save money while getting the treatment you need. Here are some strategies to consider if you’re in need of help following an accident.
Enroll In A Short-Term Plan
In some situations, you may be able to qualify for a short-term insurance plan which could help cover the costs associated with your accident. Although some insurers may not cover you after you’ve been in an accident, it’s worth comparing different health insurance programs if you missed open enrollment with your current employer and need medical attention.
This might mean looking at how your out-of-pocket expenses can be reduced by exploring websites like Health Quote Gurus, or even finding out what plans have lower costs for emergency room visits or x-rays. When even an ambulance ride can cost thousands of dollars, finding the right health insurance to cover any ongoing medical costs or forms of treatment associated with your injuries can be a literal lifesaver.
Consult With An Injury Lawyer
In situations where you can’t find an insurer to cover the costs of your injuries, it may be a good idea to speak with a legal advisor. According to an injury lawyer in Orange County, many car accidents are caused by distracted driving, and if you can prove that you weren’t at fault for the accident you may be entitled to a settlement to cover the damages incurred by the accident. These sorts of damages include a wide range of fees, including medical bills, doctor’s fees, and damage to your car or personal belongings. You may even qualify for reimbursement for any lost wages that occurred as a result of your accident.
Most personal injury lawyers will consult with you for free. Once they’ve taken you on, you may even qualify for representation free of charge until a settlement is reached. Then, your legal fees are accounted for from the settlement, saving you money and stress about how you’ll afford a lawyer who can win your case. This is a win-win for both you and your representation and ensures that you have a way to pay for your medical costs even if you don’t have health insurance.
Find Reduced-Cost Medical Centers
One other way to save money if you’re uninsured is to find places that will offer you reduced medical services. In some situations, these may be learning hospitals or a community dental clinic that offers reduced costs while students learn in real-world scenarios. You may also be able to negotiate the cost of your medical bill, either by offering to pay a reduced cost upfront in full or by simply talking to the healthcare provider ahead of time.
It’s important to note that when you’re negotiating with a medical provider you need to make sure that you get the new bill or quote in writing. If you don’t or have only discussed a reduced rate via telephone, the doctor’s office or hospital isn’t legally required to honor their quote. Especially when you’re trying to save money on medical costs, it’s important that you do everything in your power to keep these kinds of situations from happening to you.
