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Uninsured: How To Get The Medical Care You Need

How To Obtain Care If You Are Injured And Uninsured

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If you are injured, how to pay for care depends on whether you were injured in an automobile accident, on the job, or otherwise. NOTE: It is best not to reach an agreement or sign anything relating to fault or compensation for your injury before consulting with a lawyer.

If You Are Injured In An Automobile Accident

There is a good probability that there is insurance to cover medical bills related to the accident - either from insurance covering the car you were riding in or the other car. For information, see Automobile Insurance.

If there is no insurance coverage, there may be coverage for medical bills in an insurance policy you or a member of your household have. For example, there may be medical coverage in an umbrella policy, disability policy, homeowner's policy and even policies that come with a credit card. If you have difficulty reading these contracts, ask a lawyer to review them for you.

There may also be a state pool for uninsured drivers. Check with your state's department of insurance. (To locate your department of insurance, click here offsite link.).

If The Injury Is Work Related

Workers’ Compensation Insurance in all states provides reimbursement for expenses for injuries that are work related.  To learn about Workers' Compensation Insurance, click here.

If You Are Injured Due To Someone's Fault Other Than In An Automobile Or Related To Work

You may be able to sue whoever is legally responsible for the injury. It generally does not cost you any out-of-pocket cash to hire a lawyer for this type of lawsuit because the general rule is that lawyers who specialize in personal injury cases work on a "contingency basis." They do not get paid unless and until you win your case. 

If you still need money, see: How To Raise Money When You Need It


  • If you need emergency care, hospital emergency rooms must treat you whether you can afford to pay or not.
  • To learn how to get medical care without insurance, click here.

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