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Paying for Auto Accident Recovery When Car Insurance Doesn’t Cover the Cost

Car accidents can result in significant damages and bodily injuries, each leading to financial expenses. While car insurance can cover some of a person’s needs following an accident, the personal injury coverage in most policies is limited, meaning that the policy might not cover all expenses depending on the severity of your injuries.

Before you allow panic to take hold, keep in mind that there are other ways to pay for medical expenses. In fact, there are at least five alternative options: savings, private insurance, personal loans, Medicaid and Medicare, or attorney liens.

Savings Accounts

If possible, use your savings if the auto insurance policy does not cover all of your expenses, especially if you plan to file a claim. Then, depending on the strength of your claim, you can look at using your savings as a temporary loan to yourself, promising to repay every penny after receiving a settlement or judgment.

Private Insurance

If you have private health insurance, you can talk to an insurance representative about the possibility of covering treatments. Many insurers will agree to cover the costs with the caveat that the money is repaid upon the receipt of a settlement or judgment.

Personal Loan

If you have decent credit, you can apply for a personal loan to cover your medical expenses. In fact, several private and conventional lenders specialize in healthcare loans. 

If you do not want to turn to a bank or private lender, consider asking family and friends. While not every family is capable or willing to loan money, some are, and they are eager to help.

Medicare or Medicaid

Do you have Medicare or Medicaid? If so, you are covered. You can go to any hospital and receive the treatment you need. However, like other insurers, you will need to repay the coverage upon receipt of a settlement of positive verdict.

Attorney Liens

If all else fails, your attorney can talk to medical facilities on your behalf. However, if the claim is likely to settle, a car accident lawyer like one from Hall Justice Law Firm might be able to make arrangements for future payments with the award or settlement. In other words, your attorney can argue for deferred payments.

Were you involved in a car accident and need medical assistance, but you cannot afford to pay out of pocket? Contact a local personal injury attorney to schedule a consultation and discuss your options. If your case is clear-cut, the attorney might contact medical centers and make arrangements on your behalf.


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