What Happens If I Don’t Have Health Insurance After a Car Accident in Texas?

If you’ve been in a car accident in Texas and don’t have health insurance, you might be feeling overwhelmed and unsure about your next steps. Don’t worry; you’re not alone, and there are ways to get the medical care you need. This guide will walk you through the options available to you, ensuring you get the treatment you deserve while navigating the legal and financial aspects of your situation.

Immediate Steps to Take After a Car Accident

First and foremost, your health and safety are paramount. Here’s what you should do immediately after the accident:

  1. Seek Medical Attention: Even if you don’t have health insurance, get checked by a medical professional. Delaying medical care can worsen your injuries and complicate any future legal claims.
  2. Document Everything: Take photos, gather witness information, and keep detailed records of your injuries and medical treatments.

Medical Care Options Without Health Insurance

Without health insurance, you may worry about affording medical care, but several options can help:

  1. Personal Injury Protection (PIP): Texas requires that auto insurance policies include PIP coverage unless you specifically reject it in writing. PIP can cover medical expenses, lost wages, and other costs, regardless of who was at fault.
  2. Medicaid: If you meet certain income requirements, you might qualify for Medicaid, a state and federal program that provides health coverage to low-income individuals and families. Check the Texas Health and Human Services website for eligibility and application details.
  3. Hospital Financial Assistance Programs: Many hospitals offer financial assistance or charity care programs for patients who cannot afford to pay. Contact the hospital’s billing department to inquire about available options.

If another driver was at fault for the accident, you could pursue compensation through a personal injury claim. Here’s how:

  1. Hire a Personal Injury Attorney: An experienced attorney, like those at Ryan Orsatti Law, can help you navigate the complexities of personal injury law and maximize your compensation.
  2. File a Claim Against the At-Fault Driver: Your attorney can help you file a claim against the at-fault driver’s insurance company to cover your medical expenses, lost wages, and other damages.
  3. Litigation: If the insurance company does not offer a fair settlement, your attorney may advise you to file a lawsuit to ensure you receive the compensation you deserve.

Resources and Support

Navigating a car accident without health insurance can be daunting, but you have resources and support at your disposal. Here are some useful links:


Not having health insurance after a car accident in Texas can be challenging, but it doesn’t mean you have to go without medical care or legal recourse. By exploring available options and seeking professional legal assistance, you can ensure you receive the treatment and compensation you need to recover fully. If you have any questions or need legal assistance, don’t hesitate to contact Ryan Orsatti Law for a free consultation.