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Who Helps If You Need Medical Care after an Accident and Do Not Have Health Insurance?

July 21, 2021 | Category: Automobile Accidents, Motorcycle Accidents, Truck Accidents | Share

Being injured in an accident can be a traumatic experience especially if those injured have no health insurance. The first thought is “I must seek medical attention immediately,” not “How am I going to pay all the medical bills when I can no longer work?” This realization may come later.

Who Helps If you Don't Have Health InsuranceSpivey Law Firm, Personal Injury Attorneys, P.A. often assists clients injured in accidents in locating specialists who will treat them on a “letter of protection” basis. This means the doctor does not require patients to pay until a case settles.

Currently, injured victims are also covered by Florida’s No-Fault Personal Injury Protection (PIP) plan. Standard Florida motor vehicle insurance policies provide $10,000 of PIP coverage towards medical bills and lost wages. Some vehicle insurance policies also provide additional coverage.

Vehicle accident victims who are injured because of someone else’s negligence have the right to sue for monetary compensation. They must be able to prove:

  • The at-fault driver owed a legal duty to the accident victim to operate his or her vehicle in a reasonable manner.
  • The at-fault driver failed to act in a reasonable manner when operating his or her vehicle.
  • The accident victim sustained injuries due to the at-fault driver's failure to act in a reasonable manner. 

Injury victims may be entitled to receive compensation for past and future medical care expenses, past and future lost wages, past and future pain and suffering, and past and future loss of enjoyment of life.

There is a statute of limitations for filing personal injury lawsuits in Florida. Four years is the standard time limit under Florida Statute section 95.11(3)(a).

“Accident victims should not try to deal with insurance companies alone. Insurance companies offer to pay to fix the vehicle, but often low ball payment offers for injuries. It is important to immediately contact Spivey Law Firm, Personal Injury Attorneys, P.A. after seeking medical attention. We have the experienced Fort Myers car accident attorneys ready to assist you 24/7, and there are no costs or attorney fees until we receive a monetary recovery for you,” said Fort Myers Car Accident Attorney Randall Spivey.


Fort Myers Car Accident Attorney Randall L. Spivey is a Board Certified Trial Attorney – the highest recognition for competence bestowed by the Florida Bar and a distinction earned by just one percent (1%) of Florida attorneys.  He has handled over 2,000 personal injury and wrongful death cases throughout Florida.  For a free and confidential consultation to discuss your legal rights, contact  Spivey Law Firm, Personal Injury Attorneys, P.A., in Lee County at 239.337.7483 or toll-free at 1.888.477.4839, or by email to  Visit for more information.  You can contact Spivey Law Firm, Personal Injury Attorneys, P.A. in Charlotte County at 941.764.7748 and in Collier County at 239.793.7748.


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Fort Myers, Florida 33912

(239) 337-7483

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