People living without health insurance often make major compromises. They delay care or manage medical challenges on their own instead of seeing a professional. Doing so can help them save money in many cases.
However, that impulse can be the wrong reaction after a car crash. In a collision scenario, particularly when the other driver was at fault for the wreck, people with injuries can protect themselves by seeing a doctor after the wreck. A doctor’s diagnosis and proper treatment can actually help an injured person secure compensation for their losses.
Liability insurance may be available
There are two types of insurance that can help cover medical costs after a crash. Policies generally include personal injury protection (PIP) coverage. This can help people pay for their own medical treatment regardless of who was at fault for the crash.
Many drivers also choose to carry injury liability coverage. Even people without PIP coverage can theoretically make a claim against the policy of the other driver if they carry liability insurance.
If the driver at fault does not have liability coverage, then personal injury litigation may be possible. Injured people can request compensation for their current and future medical expenses, as well as their lost wages.
A diagnosis shortly after a crash makes it easier to connect medical costs to a collision and hold the driver at fault accountable. Seeing a doctor is one of several important steps that can help people limit their car crash expenses. Motor vehicle insurance can cover the treatment costs of those without health insurance after a wreck.