If you live in Kansas, your auto insurance policy is required to have Personal Injury Protection (PIP) coverage that will provide a certain amount of medical and wage loss insurance coverage. The required minimum PIP coverage in Kansas provides you with $4,500 per person for medical expenses.
If you live in Missouri, you may have an optional insurance coverage in your auto insurance policy called "Medical Payments" coverage. It can be used to help with your medical expenses up to the limit of the coverage purchased. This coverage is available to you regardless of who is responsible for causing the accident.
In the case of an auto accident, Kansas law requires that you use and exhaust your PIP coverage before you use any other personal health insurance coverage that is available to you.
You should not hesitate to use your PIP coverage, "Medical Payments" coverage, or any other medical insurance coverage to pay for necessary medical care. That is why you have the insurance. Issues of fault and who should ultimately pay for your medical care are not immediately important. YOUR HEALTH IS!
If you are uninsured, it may be hard to find physicians to provide appropriate medical care without upfront payments. In some instances, arrangements can be made for a physician or other medical services provider to be paid upon resolution of your case.
In any event, it is important to keep the big picture in mind. You cannot get better without appropriate care. Your life is more important than your claim and your claim is ultimately supported by the medical care you receive.
These issues can be complex, especially if you have never had any experience with this before. Call us to discuss any questions, at no cost and with no obligation. However you choose to proceed, after consulting with us you will be better advised, make a more informed decision, and likely obtain a better result, both medically and financially.