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What Can I Do If I Can’t Afford to See a Doctor After a Car Accident?


There are lots of reasons why car accident victims delay their doctor visit, but the most prevalent one is related to the cost.

If you’ve been in a car accident and haven’t seen a doctor yet, you are facing great financial, legal, and health-related risks. There are lots of reasons why car accident victims delay their doctor visit, but the most prevalent one is related to the cost

Being forced to neglect your own well-being and personal integrity because of financial restrictions is incredibly frustrating, humiliating, and stressful. With medical investigations and treatment being so expensive, no wonder people are terrified of the prospect of needing extensive medical care. 

woman holding her neck after a car accident

What Should You Do After a Car Accident?

In Missouri and other “at fault” states, medical expenses for personal injury from a car accident will be paid by the at-fault driver’s insurance company. 

If the driver who caused the accident is uninsured, the bills will generally be taken over by your own insurance provider and fall under the UM policy (uninsured motorist coverage), which you are required to carry by Missouri law. If the other driver is underinsured, you have to carry optional insurance in order to be covered.

If you are the at-fault driver and you have suffered injuries, your medical bills will generally be paid by your own auto insurance company or covered by your health insurance policy. If you have no health insurance coverage or you lose it because of your accident, you may qualify for Medicaid.

You may also have a case against the driver who is at-fault for the accident. All of this should be discussed with an experienced car accident lawyer. Do not worry about the cost of speaking with an attorney. The vast majority of car accident lawyers work on a contingency fee, which means they will be paid if, and when you get a settlement. 

Similarly, medical providers can make an arrangement with you or your lawyer so that you can pay your medical bills once you get a settlement. Delayed payment is not necessarily common, but it can be done by doctors who have experience taking car accident victims.

There Are Solutions

Going to the doctor as soon as possible after a car crash is essential, not only for your wellbeing but your car accident claim too.

As you can see, the possible solutions for your case depend on quite a lot of details about the accident, your insurance coverage, and the severity of your injuries. Navigating through the legal system while focusing on your health recovery is quite stressful, which is why we strongly recommend seeking the representation of a qualified St. Louis car accident attorney.

Medical bills can be a huge burden on an individual and those around him, but with the help of qualified professionals, you can get through it and minimize your losses and the damage you suffer.

Free Consultation with a St. Louis Car Accident Lawyer

Don’t talk to an insurance claims adjuster before speaking with The Hoffmann Law Firm, L.L.C. We can help you avoid making statements that may affect the outcome of your case. The consultation is free; you don’t pay unless we get you money!

Updated: May 27, 2020