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  • Writer's pictureAcclaim Law Group

No Health Insurance? Advice from a La Mesa Personal Injury Attorney

Receiving medical treatment after a collision is imperative for your physical and emotional well-being. However, sometimes the cost of hospital care can outweigh the cost the collision had on your body. Our La Mesa personal injury Attorney’s have met with, and represented, multiple clients who initially elected to let their bodies heal without medical intervention in fear of large medical bills and have been successful in helping them receive proper treatment.

If you do not have health insurance and sustained injuries in a collision, the worst solution you can choose is to go home, rest for a day, and then continue your daily routine. While some injuries can resolve on their own, most don’t, and waiting to seek help can worsen your physical and emotional health. In addition to worsening your health, waiting to seek treatment causes treatment gaps which can cast doubt on claims to get the cost of your medical care covered.

If you are not insured, there are alternative solutions for seeking health care that will not put you in an insurmountable amount of debt. One solution is using Med Pay. When you first sign up for car insurance you have an option of adding Med Pay onto your policy. Med Pay is a type of coverage that pays for approved medical treatments for any injuries caused by a collision. Certain types of Med pay plans are not reimbursable, meaning you can use your benefits without the obligation of reimbursing your insurance once you have received settlement funds.

Another solution is treating with medical professionals that allow a lien to be taken out on your account. A lien allows for the doctors to bill your account without requiring you to pay. Payment is not due until a settlement is reached and settlement funds are disbursed. Not all healthcare providers offer liens, so it is important to speak with your attorney to see if a lien can be set up.

Legal funding also offers relief from paying bills out of pocket. Legal funding is a better solution to using a credit card or taking out small loan to pay off bills. While both credit cards and loans can offer you temporary relief from financial woes, they typically hold large interest rates and must be paid back no matter the outcome of your settlement. In contrast, legal funding does not have large interest rates and, in fact, has a cap on the amount of interest they can collect. In addition, in most legal funding contracts have stipulations that state if a settlement is not reached the loan does not have to be repaid.

While these are a few solutions to receiving treatment, not every solution works for every case. Each case is unique and requires medical services best suited for a person’s injuries. If you have been injured due to the negligence of another but do not have health insurance, contact a personal injury attorney La Mesa at Acclaim Law Group. We will answer any questions you may have and work to find proper treatment for you. Your life should always take precedence over medical facilities right to recovery.

Disclaimer: While we always seek to establish accuracy when publishing articles, this piece is not intended to provide legal advice, and should not be used as such. Each individual case will differ and should be discussed with an attorney or legal expert. If you would like to inquire about pursuing a claim against your insurance company, please contact a San Diego injury lawyer at (858) 252-0781 or email

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