Being injured in a car accident or slip-and-fall can leave you facing not only physical pain but a mountain of medical bills —especially if you’re uninsured or underinsured. At Latham Law Group, we often hear the question:

“What if I can’t afford medical treatment after an injury?”

The good news is that Michigan law offers several protections for injured individuals. With the right legal support, you may be able to get the care you need without paying upfront —and protect your right to full compensation later.

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1. Use Your Michigan PIP Coverage First

If your injury occurred in a motor vehicle accident, Michigan’s no-fault insurance laws require your own auto policy to pay for:

• Emergency room visits

• Surgery and hospitalization

• Physical therapy

• In-home nursing care

• Lost wages

This is called Personal Injury Protection (PIP), and it’s the first source of payment for your medical expenses, regardless of who caused the accident.

Important Tip:

• Even if you don’t have health insurance, PIP coverage is automatic if you have a valid Michigan auto insurance policy.

• If you're injured as a passenger, pedestrian, or cyclist, you may still be covered under someone else’s policy.

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2. What If My PIP Benefits Run Out?

Since the 2020 no-fault reform, many Michigan drivers have selected limited PIP coverage, such as $250,000 or $50,000. In serious accidents, those benefits can run out quickly.

If your PIP benefits are exhausted, you may be able to:

• Use your private health insurance(if you have it)

• File a lawsuit against the at-fault driver for additional costs

• Work with medical providers under a lien agreement(see below)

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3. Medical Liens: Get Treatment Now, Pay Later

Many doctors, hospitals, and rehab providers in Michigan will agree to treat personal injury clients on a lien basis. This means:

• You receive care without paying upfront

• The provider agrees to be paid from your future settlement or court award

At Latham Law Group, we help:

• Negotiate lien agreements

• Connect clients with medical providers who accept injury liens

• Protect your settlement from excessive lien deductions

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4. Working With a Lawyer Can Unlock More Options

If you don’t have PIP, health insurance, or access to affordable care, you should not delay treatment. Gaps in medical care can hurt both your health and your case.

When you hire Latham Law Group, we will:

• Review all your insurance options (auto, health, Medicaid, Medicare)

• Help you access medical care immediately

• Delay billing through provider liens or letters of protection

• Pursue maximum compensation for future medical expenses

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5. Common Injuries That May Be Covered

You don’t need to be in a hospital for your case to be valid. We help clients access care for:

• Soft tissue injuries

• Whiplash

• Herniated discs

• Head trauma and concussions

• Fractures and torn ligaments

Even minor injuries can turn serious —don’t let cost stop you from getting examined.

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Final Word from Latham Law Group

If you’ve been injured in Michigan and are worried about how to pay for your medical treatment, don’t wait until it’s too late. With the right legal help, you may be entitled to free care, delayed billing, or compensation for all medical costs.

At Latham Law Group, we help injured people in Birmingham, Bloomfield Hills, Troy, and beyond get the care they need— even if they can’t afford it upfront.