After an accident, getting the medical care you need can feel overwhelming, especially if you don’t have health insurance. Unfortunately, many Texans face this challenge and worry about how to pay for doctor visits, therapy, medications, or even surgery while waiting for their personal injury claim to be resolved.

The good news is that being uninsured or underinsured doesn’t mean you have to put your health on hold. With the right guidance, you can access treatment now while protecting your legal rights and future compensation. Here’s what to know about getting medical care after an accident, and if you have any questions, contact our team at McKinney Vos PLLC right away.

Understanding Your Insurance Options

Texas is an “at-fault” state for car accidents, which means the person who caused the accident (or rather, their insurance) is ultimately responsible for paying your medical bills. However, these insurers typically won’t pay until your claim is resolved, and this can often take months.

Fortunately, even if you don’t have health insurance, you may still have access to medical coverage through:

• Personal Injury Protection (PIP) - PIP is no-fault insurance that covers medical bills and certain other costs up to the policy limit (typically $2,500 minimum). It may cover passengers, pedestrians, or household family members, depending on the policy.

• Medical Payments Coverage (MedPay) - If you declined PIP, MedPay may cover your medical expenses only, though reimbursement rules differ from PIP.

Your attorney will help identify all applicable insurance policies, including PIP or MedPay coverage.

“Treat Now, Pay Later” Options

If you need treatment immediately and your insurance coverage is limited or exhausted, an attorney can help negotiate Letters of Protection (LOP) with medical providers. An LOP is a written agreement stating that your bills will be paid later (once your case settles), so you can start treatment without upfront costs.

Many doctors and specialists accept LOP arrangements, so you can still receive surgery, medical treatment, and ongoing care while your attorney works to secure fair compensation from the at-fault party.

Contact Us at McKinney Vos PLLC

If you’ve been injured in a car accident in Texas and don’t have health insurance, you don’t have to put off medical treatment. With professional guidance, you can get the medical care you need without worrying about upfront payments or insurance delays.

Our personal injury attorneys work with medical providers, insurance companies, and your legal case to make sure your bills are covered while you focus on recovery. Call our Austin office today to schedule a free consultation and learn how we can help you get the care and compensation you deserve.