You don’t need health insurance to get care after a crash

There are people who will see a medical professional over the smallest injury, and there are others who will avoid going to a doctor unless it is an absolute emergency. Many people who have just experienced a car crash will claim that they don’t require medical evaluation or treatment.

In some cases, people simply have not yet recognized the warning signs of a soft tissue injury or brain injury yet, and they may end up requiring care in the next few days. Other times, they can sense the early warning signs of their injury and just assume they can treat themselves using rest and over-the-counter pain relievers.

If you recently experienced a crash that another driver caused, you don’t have to forgo medical evaluation and care due to a lack of health insurance. In fact, you may need to see a doctor as soon as possible after the crash.

Car insurance will pay for your medical needs

Kentucky requires that every driver have liability insurance on their vehicles. Your policy won’t pay for your costs when the other driver is to blame for the collision. Instead, you make a claim against their coverage.

Even if the person who hits you only carries the insurance required by Kentucky state law, they should have at least $25,000 in bodily injury liability coverage if you were the only person that got hurt. If there are multiple people with injuries, theater should be a minimum of $50,000 in bodily injury coverage per collision.

Some drivers may have more coverage than that, especially those driving for work or in control of larger, commercial vehicles. That bodily injury liability coverage will pay for your initial medical evaluation and any treatment that you may require because of the crash. Unlike health insurance, that car insurance coverage typically won’t leave you paying a large deductible or other costs related to the wreck.

The sooner you receive a diagnosis, the better

One of the biggest and most frequent mistakes that people make after getting hurt in a crash is the decision to forgo medical care for several days or longer. By the time a doctor diagnoses them with a specific issue, it may be difficult for them to connect that medical concern directly to the crash that they experienced.

Understanding how Kentucky insurance supports you after a car crash can help you get the support and financial compensation you deserve after a wreck.


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