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How can I pay medical bills after an accident without insurance?

When you get in an auto accident, the resulting medical bills can be financially catastrophic. These expenses climb even higher if you do not have medical insurance. 

Review these strategies if you are struggling to cover the cost of auto accident injuries. 

File an auto insurance claim

Georgia does not require drivers to carry personal injury protection as part of their auto insurance policies. If you do have this type of policy, however, you can file a claim for coverage of medical bills related to the accident. 

If another driver caused the accident, Georgia allows you to seek compensation through his or her insurance policy as long as you have less than 51% fault. Drivers in Georgia must have bodily injury liability coverage of at least $25,000 per person, $50,000 per accident. 

File a lawsuit

You can also sue the responsible driver after an auto accident. For example, you may take this route if the motorist who caused the accident does not have insurance or if your medical bills exceed his or her coverage. In Georgia, you have two years to file a personal injury lawsuit after an auto accident. 

Seek medical payment assistance

If you cannot work because of the accident and cannot pay your medical bills, you may qualify for Georgia Medicaid. You can also ask your health care provider about a payment plan or visit a doctor who offers a sliding scale based on income. 

After a debilitating accident, start by calling your auto insurance provider. The adjuster will investigate the accident and determine whether you may qualify for medical coverage, either from your own policy or through an at-fault driver’s policy.