Suffering a personal injury can be a life-altering experience, both physically and financially. In the aftermath of an accident, getting proper medical treatment should be your top priority. However, navigating the healthcare system while dealing with insurance companies and potential legal claims can be overwhelming.

As an attorney, I’ve seen many injured individuals struggle with getting the care they need while protecting their legal rights. Understanding the steps to take after an injury can make a significant difference in your recovery and the outcome of any potential claim. Here’s what you need to know about seeking medical treatment after a personal injury.

Seek Medical Attention Immediately

Don’t Delay Treatment

One of the biggest mistakes people make after an accident is delaying medical care. Even if you feel fine or think your injuries are minor, it’s essential to see a doctor as soon as possible. Many injuries, such as concussions, whiplash, and internal bleeding, don’t show symptoms right away. Waiting too long to get checked out can lead to serious health complications and make it harder to prove your injuries in a legal claim.

Emergency vs. Non-Emergency Care

If your injuries are severe—such as fractures, head trauma, or deep cuts—go to the emergency room immediately. For less urgent injuries, you can visit an urgent care clinic or your primary doctor. No matter where you seek treatment, make sure your visit is well-documented, as this medical record will be critical if you pursue a personal injury claim.

Follow Your Doctor’s Orders

Stick to the Recommended Treatment Plan

Once you receive medical care, it’s crucial to follow all doctor recommendations. This may include:

• Taking prescribed medications
  
• Attending follow-up appointments
  
• Undergoing physical therapy
  
• Avoiding activities that could worsen your injury
  

Ignoring medical advice can prolong your recovery and also hurt your legal case. Insurance companies often use gaps in treatment as evidence that your injuries aren’t serious, which can lead to lower settlements or claim denials.

Get Referrals to Specialists If Needed

If your injuries require specialized care—such as seeing an orthopedic surgeon for a broken bone or a neurologist for a brain injury—follow through with those referrals. Specialist visits provide valuable medical evidence that supports the severity of your injuries.

Keep Detailed Medical Records

Track All Treatments and Expenses

Your medical records will play a significant role in any personal injury claim. Keep a record of:

• Doctor visits (dates, names, and diagnoses)
  
• Prescriptions and medical equipment (such as braces or crutches)
  
• Physical therapy sessions
  
• Hospital bills and out-of-pocket costs
  
• Mileage to and from medical appointments
  

This documentation will help ensure you get fair compensation for your medical expenses.

Journal Your Recovery

In addition to medical records, keeping a personal journal about your pain levels, mobility limitations, and emotional struggles can strengthen your case. Your firsthand account of how the injury affects your daily life can be valuable in securing compensation for pain and suffering.

Understand How Medical Bills Are Paid

Health Insurance vs. Personal Injury Protection (PIP) Coverage

If you have health insurance, it may cover your medical expenses, but you could still be responsible for copays and deductibles. In car accident cases, Personal Injury Protection (PIP) or Medical Payments (MedPay) coverage may help pay for medical costs regardless of fault.

If another party is responsible for your injury, their insurance company may eventually reimburse your medical expenses—but this can take time. Until then, you may need to use your own health insurance or other coverage options.

Medical Liens and Payment Plans

Some healthcare providers will treat injured patients on a lien basis, meaning they agree to wait for payment until a settlement or verdict is reached. If you can’t afford medical treatment upfront, ask your doctor if they accept medical liens or offer payment plans.

Be Cautious When Talking to Insurance Companies

Avoid Giving Recorded Statements Without Legal Advice

After an injury, insurance companies may contact you asking for a recorded statement. Be careful—what you say can be used against you. Even casual remarks like “I’m feeling better” can be taken out of context to minimize your claim.

If you’re unsure how to handle insurance communications, consult with a personal injury attorney before making statements.

Don’t Settle Too Quickly

Insurance companies often try to offer quick settlements before you fully understand the extent of your injuries. Accepting a low settlement too soon can leave you without enough money to cover ongoing medical care. Before accepting any offer, ensure that:

• You’ve completed medical treatment or understand your future care needs.
  
• All your expenses are accounted for, including lost wages and rehabilitation costs.
  
• You’ve spoken with an attorney to evaluate the fairness of the offer.
  

Know When to Seek Legal Help

If your injuries are serious, your medical bills are piling up, or the insurance company is disputing your claim, it’s time to talk to a personal injury lawyer. Francis Pommett, attorney, has helped countless clients get the medical care they need while protecting their legal rights. A skilled lawyer can:

• Negotiate with insurance companies to ensure fair compensation.
  
• Help you find medical providers who will treat you on a lien basis.
  
• Ensure you’re compensated for future medical costs, lost wages, and pain and suffering.
  

Final Thoughts: Prioritize Your Health and Your Rights

Navigating medical treatment after a personal injury requires careful attention to both your health and legal standing. Seeking immediate care, following medical advice, and keeping thorough records are critical steps in ensuring a smooth recovery—both physically and financially.

If you’re struggling with medical bills or dealing with an uncooperative insurance company, don’t go it alone. Francis Pommett, attorney, recommends seeking legal guidance to protect your rights and secure the compensation you deserve. Your health and financial future depend on making informed decisions every step of the way.