Hurt and Have no Health Insurance?

One of the biggest problems people face after an accident is getting the medical care they need. Especially if they don’t have insurance or the money they need to pay for treatment.

What To Do Immediately Following a Wreck

If you’re severely injured after a wreck, don’t worry about the costs of medical care. Call 911 and have an ambulance transport you to the hospital. If you’re not a fault for the wreck, your emergency room bill should be covered by the insurance for the at fault driver or by your own insurance. Taking care of yourself immediately after a wreck is the most important thing because of issues like concussions or internal bleeding. Bottom line, if you feel like you need to the ER, don’t decline an ambulance or the emergency room just because you’re worried about the bill.

What To Do if Still Hurting a Few Days After
the Wreck

People often ask us what to do if a few days have passed since the wreck and they are still in pain.  This is not uncommon. Often ER doctors will send you home with a prescription for pain medicine and muscle relaxers. They will tell you that if your pain persist to follow up with your primary care physician. A
problem we often see with that, is either a) the injured party has no health insurance or money to pay for a doctor’s visit, or b) they don’t feel like they should have to come out of pocket for treatment or bill their health insurance since the wreck wasn’t their fault. Then, on top of all that, we often find that a family doctor won’t see a patient if the patient is seeking treatment for injuries related to a wreck.  Why, you ask?  When doctors see patients for injuries related to a wreck they may have to get involved in litigation should the insurance company for the at-fault party fail to fairly compensate the claimant – something that happens all too often.

Can Hutchison & Stoy, PLLC Find me a Doctor?

Yes.  Our firm can help find you the right doctor based on the injuries you sustained as a result of the wreck. We know how  important it is that an injured victim see the right doctor, and not just their primary care physician or family doctor.  We often explain it this way: if you needed brain surgery, you wouldn’t let a heart surgeon operate on your brain.  Even if he were the best heart surgeon in the world!  Thus, why would you let a family practitioner, whose usual day-to-day duties revolve around prescribing cold medicine and giving physicals, treat your torn rotator cuff or strained back?  You wouldn’t.  And you shouldn’t.  And that’s where we come in.

At Hutchison & Stoy, PLLC, we have a network of doctors in the Fort Worth area who we send our clients to for treatment. Sometimes, an injured victim’s injuries can be resolved through therapy or chiropractic care which is where we always suggest treatment begin.  In our opinion, the less invasive the treatment, the better.  However, more significant injuries may require a specialist. Included in our network are orthopedic surgeons, neurologist, plastic surgeons and other doctors who can address these more significant injuries.Hurt and have no insurance

The doctors in our network will often wait to be paid once a lawsuit or claim is resolved which helps you get the treatment you need without worrying about the costs upfront. In addition, the doctors in our network aren’t scared to treat people who have been injured in a car wreck.  The doctors we know have fought the insurance companies before, they’ve given depositions to support their treatment.  They’re not scared to go to court and tell the truth.

What is My Health Insurance is Denying My Claim or I Can’t Afford the Deductibles?

Even if you have health insurance, it’s possible that your health insurance company will not pay your claims if they find your injuries were related to the wreck. Or, even in the event your health insurer decides to accept the claim, you know you’re going to get stuck with no telling how much in copays and out of pocket expenses. Now why should you be out of pocket when your injuries were caused by someone else?

Bottom line, if you’ve been injured in a car wreck and you’re hurt and have no health insurance, don’t let that stop you from getting the care you need. Contact the Warriors for Justice today at (817)820-0100 or fill out a free case evaluation online.