This can be a complicated question and varies depending upon your situation. If you have health insurance, then the answer is that you use your health insurance. What most people injured in a car wreck do not understand is that the at-fault insurance carrier will not pay for your medical care as you treat. They will only settle with a lump sum amount. As a result, you should have your medical treatment completed if you are discussing resolution of your claim.
It is when you do not have health insurance that getting medical care can be more of a challenge. The first thing you should look at is your automobile insurance policy and make sure you do not have medical payments coverage. Medical payments coverage is coverage specifically designed to pay medical bills as they relate to a car wreck. The amount of coverage can vary usually from $2,000.00 to $10,000.00. However, this is optional coverage and, therefore, you will want to check your specific policy.
If you have no health insurance and no medical payments coverage, then what do you do? Well there are doctors who will take on your medical care on what is called a lien basis and will forego payment at the time of treatment. At the end of the claim, the medical provider would be entitled to payment from any settlement on the claim. Please note not all doctors will accept claims on a lien and it may require several phone calls.