A lot of people still do not care about personal accidents insurances. The explanation may be quite simple: no one likes to think of the worst, or people simply think they are immune to unfortunate events. We only think of the sinister when it has already occurred, and then it is too late to consider the unpleasant “what if?” question.
The personal accident insurance covers death and permanent disability (total or partial) caused by accident, not covering natural causes. These are personal, external accidents that the insured may suffer suddenly, immediately and involuntarily, causing physical injury or death.
Other than that, what you should do really depends on the kind of accident you had. If it was a car accident where someone else is to blame, then the process should be simple – the other person or an insurance will be held accountable and cover all your costs.
If you had some other kind of injury and have insurance to cover for that, use that. If you do not have insurance, then chances are you can apply to Medicaid. This federal health insurance program is aimed at specific cases related to the absence of health insurance or low-income people so, if you get into an accident and have no health insurance, go to your state’s Medicaid office to check if you qualify.
Should all other options fail, as a last resort you can try to work payment arrangements with the heath care provider.
So, it can be said that the best way to protect yourself after an accident… actually is to protect yourself before it. Still, if you ever get in this situation and you do not have insurance, your best bet is to hire the services of an expert lawyer office to know what your options are.
With years of experience in personal injury, Sutliff & Stout has been able to secure millions of dollars in compensation for their clients. If you or a loved one are involved in a serious accident it is important to contact a legal expert to evaluate your options.