How Do I Afford Surgeries After My Car Accident?

Written by Jeremy D. Earle, JD

June 20, 2022

Paying For MEdical Treatment for a Car Accident

Every year, over 50,000 people are killed in car accidents. Even the tiniest collisions may send shockwaves through the lives of the involved motorists. A minor fender accident may send you to the hospital, believe it or not!

Many car accident injuries need surgery to heal fully. Surgical procedures and their aftereffects may take a lot of time… and money. You shouldn’t have to pay for the operations you need to recover if you were wounded in an car accident caused by someone else’s irresponsible or reckless acts.

In this blog article, we’ll go over some of the most common operations you can require after being injured in a car accident, how much they might cost, and how to make sure the person who caused your accident pays for them. Warrior, Attorney At Law, in Colorado Springs, can help you learn more about car accidents.


Every year, the number of people killed in car accidents in the United States rises, and Americans travel over three billion miles each year. Accidents are unavoidable when so large numbers are involved.

Approximately one million days are spent in hospitals by Americans recuperating from car accident injuries every year. Many of these injuries need surgery to repair. Consider the following scenario:


Car accidents often result in a knee injury. A person’s knees might smash against the dashboard or twist in strange orientations in every particular accident. Damage to the bones, ligaments, and cartilage in the knee as a consequence of this generally needs surgery.

Knee injuries typically need months or years of rehabilitation and physical therapy after surgery. If you need a knee replacement, the typical cost of the procedure is about $50,000. That’s not a little sum of money; many individuals will want financial assistance to pay for the procedure, and we know where to get it.



Cars and the people within them are subjected to enormous forces during collisions. Car passengers are flung, bounced, and jolted about, potentially causing significant injury to their spinal columns and sensitive spinal cords.

Discs have the potential to rupture. Vertebrae are prone to cracking. These injuries typically need surgery and a long period of recovery. Victims may live for the rest of their life with chronic discomfort. In severe circumstances, sufferers may need immediate surgery to remove the pressure and swelling that might result from spinal cord damage, resulting in paralysis.

The reported expenses of spinal surgery vary greatly, although they often reach tens of thousands of dollars.

Back injuries may cause excruciating physical and mental anguish, as well as financial hardship. More than half a million Americans file for personal bankruptcy every year because they can’t pay their medical costs. Don’t let yourself become a statistic! Work with a reputable car accident injury lawyer who can assist you in avoiding financial ruin and maximizing your rehabilitation.


TBIs, or traumatic brain injuries, are all too prevalent in car accidents. Concussions are the mildest kind of TBI, but more serious instances result in long-term impairments and disabilities. A blow or jolt causes these injuries to the head in an car accident.

Direct injury to brain tissue causes certain brain injuries. They may, however, get worse if there is bleeding or edema. Emergency surgery may alleviate these symptoms and reduce the damage caused by a brain injury, but it can be expensive, costing tens of thousands of dollars. Following surgery, long-term care may be required.


Car accidents often result in fractured bones among car passengers. While many bone breaks mend with simple medical treatment, more complicated fractures may need surgery and hardware insertion to secure and restore the accident victim’s bone. The cost of these procedures may run into hundreds of dollars, and when a fracture necessitates numerous surgeries, the cost can easily double or treble.


Internal injuries are often among the most serious and deadly injuries in an car collision. Internal injuries such as rupturing organs, collapsing lungs, internal bleeding, and other internal injuries need major surgical surgery that might cost tens of thousands of dollars or more. Many internal injuries result in long-term health problems, which add to a patient’s medical expenses.



You don’t want to hasten your recovery from car accident injuries. While you’re recovering, you’re sure to miss work. A major injury might put you out of work for an extended period or make it impossible for you to return to the employment you had before the accident.

This puts you in a difficult situation: you’re faced with a mound of medical costs while your paid time off reserves is depleted, and your income flow slows to a trickle.

On the other hand, the law may assist you in instances similar to yours. We can all agree that an car accident should not bankrupt someone who was not at blame for the accident in the first place.

That is why, with the aid of a qualified car accident injury attorney, victims of car accidents may pursue legal action against the at-fault parties to seek compensation. The amount of compensation payable varies from case to case, but it nearly always includes the direct economic consequences of accident damage, such as medical bills and lost income.

Of course, lawsuits do not appear anywhere. In the interim, you may need to find other means to pay for some of your medical expenses. Paying for health care following a car accident for many individuals becomes a question of determining which insurance coverage would cover essential operations.

These may include the following:

PIP (PERSONAL INJURY PROTECTION) COVERAGE. PIP coverage, which covers you for the expenses of your injuries in a car accident, may be included in your auto insurance policy depending on where you reside. If you own or operate a car, a PIP policy may be used as primary insurance to cover up to a certain amount of medical expenses.

MEDICAL COVERAGE. Accident victims who have health insurance may use it to pay part of the expenses of medical treatment after an car accident. Of course, this means they’ll have to pay co-pays, deductibles, and coverage restrictions.

INSURANCE FOR WORKERS’ COMPENSATION. If your car accident occurred while you were at work, workers’ compensation insurance might be able to pay the expenses of your medical treatment.

Suppose you have insurance to cover the expense of medical treatment after an car accident and file a lawsuit for damages. In that case, your insurance company has the right to be repaid for any payments it makes in the interim. To learn more about how insurance may pay for medical treatment while you wait for a legal claim to be resolved, speak with an expert car accident lawyer.



Here’s something to keep in mind: don’t mix the availability of your insurance coverage with the availability of someone else’s insurance that will pay for your treatment.

If the insurance company for the other driver contacts you after your car accident, be cautious! This insurance business does not have your best interests at heart. If they agree to settle, it can only imply one thing: the person who bought the insurance from that business is undoubtedly liable to you, and the insurance company wants to get out of that obligation as quickly as possible.

This kind of direct settlement offer reveals a deceptive insurance strategy. The insurer hopes that you are in desperate need of money right now and that you would accept whatever settlement sum it provides.

Don’t get taken in by this ruse! Don’t let yourself be taken advantage of. Accepting a settlement entails relinquishing your right to pursue future legal action. Don’t give up your rights for a pittance.

Work with an attorney who can assess the entire amount of compensation you deserve for your car accident injuries (including surgery expenses) and who has the competence and experience to negotiate a reasonable settlement with insurance companies and defense lawyers.


The actions you take immediately after an car accident might have a big impact on your potential to get compensation from the at-fault driver. To preserve your health, well- being, and legal rights, take the following steps:

DIAL 911

This may seem self-evident, but it’s worth mentioning. After a car collision, phone 911 so that police and emergency medical workers can get on the spot. This ensures that your accident is reported to the appropriate authorities, that crash records are prepared, and that you have rapid access to possibly life-saving medical treatment for your injuries.


Take as many photographs of the accident site as possible, including shots of the cars, the road surface, and the surrounding area, if it is safe to move about the accident scene.


Interrogate witnesses if there were any witnesses to the accident. Attempt to gather their names and contact information so your lawyer may contact them. Their remarks may be useful in obtaining compensation from those who are at fault.


SEEK MORE MEDICAL HELP. Always follow up with your usual doctor after receiving medical treatment at the accident site. They’ll be able to check for any concealed injuries.

Serious injuries, which might affect you for the rest of your life, may not show signs for days. Don’t take any chances with your health!

Make an appointment for follow-up care. Furthermore, the medical records generated when you see the doctor might serve as essential evidence supporting your compensation claims.

Keep a log of your injuries. As you heal from your surgery and other ailments, you may prefer to forget about the ordeal you’ve been through. We understand, but we’ve found that maintaining a diary of your healing and rehabilitation journey may help you put the pain and difficulties you’re going through into words.

When it comes time to seek compensation for the injury caused by an car accident, having such a record may be highly beneficial to your attorney.

Speak with a personal injury attorney that specializes in car accidents. After an car accident has turned your life upside down, don’t hesitate to seek legal help. As time passes, gathering the key evidence you’ll need for your case becomes more difficult.

Proving someone else’s guilt becomes more difficult when you’re on your own. Get a lawyer on your side as soon as possible to ensure that you get every bit of compensation you deserve for your injuries.


Car accidents result in serious injuries that cause physical, mental, and financial suffering. Money cannot turn back the hands of time or alleviate the pain you experience while recovering from surgery, but it can help you pay for your treatment, replace your lost income, and provide you with the support you need to resume your normal life.

Contact an expert car accident injury attorney to learn more about your legal rights when a car accident injury necessitates surgery. They can answer your questions and assist you in deciding how to begin the process of seeking justice.

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