What Happens If I Do Not Have Health Insurance?

An injured party may or may not have health insurance to cover their expenses following a personal injury. If a party does have health insurance available to assist with paying necessary medical expenses, they will often be required to repay the health insurance company for the money they expended. In general terms, the health insurance companies take the following position towards paying the bills of an injured party following an accident: If a customer has paid their health insurance premiums, the insurance company will pay for what they deem ‘necessary’ medical care, only with the agreement that should the injured party receive a settlement, the health insurance corporation will be repaid. This is commonly referred to as the health insurance companies right of ‘subrogation’. Many people have the misconception that an injured party who receives a settlement does not have to repay their health insurance company for the money expended, and this is simply not accurate.

The major benefit of having health insurance is that an injured party will have less of an issue obtaining medical treatment to treat their injuries following an accident. I say less of an issue because health insurance corporations have a funny way of denying medical treatment by deeming it unnecessary or experimental. Again, consumers should be aware that health insurance corporations make billions of dollars each year, and the extent of their profits are directly tied to the amount of medical treatment they deny. For this reason, even if a party does have health insurance, they will often face the unfortunate denial of necessary medical treatment because of the opposite financial interests of their insurance company.

The increasing scenario in today’s society is the lack of health insurance among individuals who are injured. This presents many difficulties when an injured party incurs medical expenses following a personal injury. Liability Insurance companies generally refuse to pay medical expenses as they come in, preferring instead to only make one lump sum payment when all medical treatment is complete. This delay will often result in unwanted phone calls, threats, letters, and other forms of harassing collection attempts. This adds an additional layer of stress to individuals who are trying to recover from their injuries. In addition, if an uninsured victim is unable to pay for their medical treatment as the bills come in, medical providers will terminate necessary medical care, thereby preventing the injured party from a full and proper health recovery.

Retaining a Missouri personal injury lawyer will make the process of recovery much more relaxing and confident for an injured party. A Missouri personal injury attorney will immediately go to work contacting medical providers to inform the provider that they will be paid from the proceeds after the case settles. Medical providers are more trusting when an attorney informs them that coverage is available, and the attorney is working to ensure they are paid for their services. Some medical providers will accept this arrangement, in which case the injured party has the opportunity to receive the medical care they require. However, many medical providers will not accept this arrangement, and in those situations the inured party faces extreme difficulty in their road to recovery. A Missouri personal injury lawyer has the tools required to assist injured parties through this unfair and complex process.

Recent News

See What's Happening

  • St. Louis Bicycle Accident Claims

    St. Louis Bicycle Accident Claims

    While there are fewer cyclists on the roads than cars and trucks, the injury and mortality rates are much higher than the average motorist....
  • Missouri Dog Bites On the Rise

    Missouri Dog Bites On the Rise

    Dog bites in the US? Nearly 4.5 million per year, according to Insurance Information Institute, dog bites accounted for more than $600 million in...
  • Dog Bite Claims and Homeowners Insurance

    Dog Bite Claims and Homeowners Insurance

    Unless you have experienced a dog bite you are unlikely to realize how serious dog bites can be. In fact they can be so...
  • Insurance Companies Accused of Fake Repairs

    Insurance Companies Accused of Fake Repairs

    Those suffering from an accident need their vehicle repaired so they can get back to work, attend medical appointments, and meet the other demands...
  • Most Dangerous Intersections in Missouri

    Most Dangerous Intersections in Missouri

    Data analyzed from 2005-2010 shows that St. Louis is home to the most dangerous intersection in Missouri. Learn more about Missouri's most dangerous intersections...
  • Distracted Driving Accidents On The Rise

    Distracted Driving Accidents On The Rise

    Distracted driving continues to cause unnecessary suffering. Missouri is home to some of the most lenient laws in the United States when it comes...

Personal Injury Attorney

Legal & Injury Representation St. Louis Deserves.

Results — that's what clients expect from Dixon Injury Firm. Chris brings years of personal injury law experience to the table. Based in St. Louis, his firm provides free consultations and contingency service to the high-caliber injury and liability legal arena. Tell us about your case and we'll show you how to win.

Recent Successes

  • Policy Limits Settlement

    Missouri Truck Accident

    $30,000.00 Settlement

    Missouri Car Crash With Minor Property Damage

  • $40,000 Settlement

    Missouri Low Impact Automobile Accident

    $40,000 Settlement

    Missouri Dog Bite

  • $45,000 Settlement

    Missouri Dog Bite

    $50,000 Settlement

    Missouri Auto Accident

  • $50,000 Settlement

    Missouri Car Accident Crash

    $65,000 Settlement

    Missouri Pedestrian Accident

Get The Representation You Need Today!

Reach out to Chris Dixon for personal injury, workers compensation, product liability, and other legal services for experienced, reliable counsel and representation in St. Louis.

Contact Us Today

Schedule a


Submit Your
Case Details