- Car Accidents
Getting prompt medical attention after a car accident is crucial for recovery and your legal claim.
After a car accident, your first priority should be your health. But for many people, the moment the initial shock wears off, a new concern quickly takes its place—the cost of medical care. Doctor visits, imaging tests, chiropractic treatment, and physical therapy can add up fast. If you didn’t cause the crash, it can feel unfair to face medical bills while you’re still in pain.
That’s where HURT911® Georgia Injury Centers can make all the difference. At 1-800-HURT911®, you can get the care you need with no upfront costs. Whether you need a chiropractor, a car accident doctor, or physical therapy, your treatment is provided now and paid for later—after your personal injury case is settled.
This guide explains how HURT911® works, what typical accident-related medical care costs, and how you can protect yourself financially while getting the treatment you deserve.
Why You Should Always See a Doctor After a Car Accident
Even if you feel “okay” after a crash, you could still be seriously injured. Adrenaline and shock can mask symptoms for hours or even days. Some of the most common accident injuries—like whiplash, back pain, and soft tissue injuries—don’t always appear right away.
Failing to see a doctor can also hurt your personal injury claim. Insurance companies often argue that if you didn’t get medical treatment soon after the accident, your injuries must not be serious, or weren’t caused by the crash at all.
Getting checked out by a qualified car accident doctor protects both your health and your legal rights.
The Typical Cost of Seeing a Car Accident Doctor
When you visit a doctor or hospital on your own after an accident, you’re usually responsible for paying out of pocket, using health insurance, or dealing with the at-fault driver’s insurance later. Here’s what that can look like financially:
1. Emergency Room Visits
ER bills after a car crash can range from $1,000 to over $5,000. Medical bills for severe injuries can exceed $50,000.
- Ambulance ride: $400–$1,200
- ER facility fee: $500–$2,000
- Diagnostic imaging (X-rays, CT scans, MRI): $200–$3,000+
- Lab tests and medications: $100–$1,000
- Hospitalization: $10,000 or more
If you’re uninsured or your health plan has a high deductible, you might be stuck paying thousands upfront. Even with insurance, copays and coinsurance can add up quickly.
Urgent Care or Primary Doctor Visits
A basic urgent care visit might cost $150 to $350, but that’s only for the exam. Add in X-rays or follow-up treatment, and you could be looking at $500–$1,000 easily. Your regular doctor may not have experience with accident-related injuries, and most primary care offices don’t handle billing for third-party claims (like those from car accidents).
Specialists (Orthopedic, Neurology, or Pain Management)
If your injuries are more severe—such as a herniated disc, concussion, or nerve damage—you might need to see a specialist.
- Orthopedic specialist: $250–$500 per visit
- Neurologist or pain management doctor: $300–$600 per visit
- MRI or diagnostic scans ordered: $500–$3,000
These visits are often needed multiple times, especially for ongoing pain or rehabilitation.
Chiropractic Care and Physical Therapy
Soft tissue injuries, back pain, and whiplash are common after car crashes. These injuries often require weeks or months of chiropractic adjustments or physical therapy.
- Chiropractic visit: $75–$200 per session
- Physical therapy session: $100–$250 per visit
If you attend therapy two or three times a week for several months, total costs can easily reach $3,000 to $8,000 or more.
Total Typical Medical Bills After a Car Accident
When you add everything up, medical expenses after even a moderate accident can reach $10,000 to $30,000 or more. That doesn’t include missed work, prescriptions, or other costs like transportation to appointments.
For many accident victims, this is overwhelming—especially when the accident wasn’t their fault.
The Cost of Seeing a Car Accident Doctor at HURT911®
At the HURT911® Georgia Injury Centers, we are committed to helping injured people get treatment right away without worrying about the cost.
No Upfront Costs for Car Accident Treatment
At 1-800-HURT911®, you don’t pay anything up front. Your treatment is provided now, and the costs are covered later through your personal injury claim or settlement.
That means you can focus on getting better—not on medical bills. The doctors and staff at HURT911® understand how stressful an accident can be, so they make it easy to get started with same-day or next-day appointments.
Medical Lien – Payment Through Your Personal Injury Case
When you get treatment through HURT911®, your doctors are paid once your personal injury lawyer settles your case or wins in court.
This arrangement is often referred to as a “lien-based treatment” or “treatment on a medical lien.” It allows you to receive care now and pay later—after your lawyer recovers compensation from the at-fault driver’s insurance.
Who Pays for Medical Bills After a Car Accident?
One of the biggest questions after a crash is who pays for your medical treatment—especially when you weren’t at fault. The answer depends on a few factors, including liability, the type of insurance policy involved, and your state’s insurance system.
The At-Fault Driver’s Liability Insurance
In Georgia and other “fault” states, the driver who caused the accident is legally responsible for the other party’s damages. That includes:
- Medical expenses
- Lost wages
- Pain and suffering
- Property damage
The at-fault driver’s liability insurance should ultimately pay for your medical bills and other accident-related damages.
However, there’s one important catch—the insurance company only pays up to the policy limits. If the driver’s liability coverage isn’t enough to cover all your medical costs, you may need to explore other options.
For example, the minimum auto insurance in Georgia covers $25,000 per person and $50,000 per accident for bodily injury. If the at-fault driver’s policy limit is $25,000, but your medical bills total $40,000, the insurer is only required to pay $25,000.
Your Own Insurance Policy
If the at-fault driver’s insurance is too low or if there are delays in payment, your own auto insurance may provide additional protection.
Depending on your coverage, you may have:
- Personal Injury Protection (PIP) – Pays for medical care and some lost wages, regardless of fault.
- Medical Payments Coverage (MedPay) – Covers medical bills up to a certain amount, even before liability is established.
- Uninsured/Underinsured Motorist Coverage (UM/UIM) – Pays when the at-fault driver’s liability insurance isn’t enough to cover your full damages.
Health Insurance and Reimbursement
Your health insurance may also cover some of your accident-related care, especially if you seek treatment through your regular doctor or hospital. However, most health insurance companies expect reimbursement once you receive a settlement or verdict from the at-fault driver’s insurer.
In other words, if your health insurance pays for your MRI and therapy, and your attorney later recovers compensation from the at-fault driver’s insurance, your health insurer may require repayment for what they covered.
This is another reason why having a lawyer and a medical provider who understand personal injury claims, like HURT911®, is so important. They can ensure bills, liens, and reimbursements are handled correctly, so you don’t lose part of your settlement unnecessarily.
How HURT911® Helps Patients After a Car Crash
Most doctors’ offices and clinics don’t deal with personal injury claims. They expect payment up front or through health insurance. HURT911® is different because it’s designed for accident victims who were not at fault for the crash and want to make sure their injuries are properly documented for a legal claim
With HURT911®, everything—from scheduling and treatment to billing and legal support—is centered on helping you recover physically and financially.
Coordinated Treatment for Accident Injuries
HURT911® is a network of injury specialists focused specifically on auto accident cases. The Georgia Injury Centers have:
- Medical doctors to evaluate and diagnose injuries
- Chiropractors who specialize in treating whiplash, neck, and back pain
- Physical therapists to restore strength and mobility
- Access to diagnostic imaging and referrals to orthopedic or pain management specialists if needed
Your care is coordinated, which means every provider understands the nature of your injury, your legal claim, and the importance of proper documentation for insurance purposes.
Legal Referrals and Support
HURT911® also helps you connect with a qualified personal injury lawyer who understands car accident cases. Having a lawyer can make a big difference—they handle communication with the insurance companies and ensure your medical costs are included in your claim.
Your medical treatment and legal representation work hand-in-hand. The doctors document your injuries properly, and your attorney uses that evidence to build a strong case for compensation.
Common Injuries Our Doctors, Chiropractors, and Physical Therapists Treat
HURT911® Georgia Injury Centers treat a wide range of auto accident injuries, including:
- Whiplash and neck pain
- Back and spinal injuries
- Muscle strains and sprains
- Herniated or bulging discs
- Shoulder and knee injuries
- Concussions and headaches
- Numbness, tingling, or nerve pain
Because HURT911® offers medical doctors, chiropractors, and physical therapists under one network, patients can receive comprehensive care without jumping between unrelated providers.
What If You Don’t Have a Lawyer Yet?
That’s okay. HURT911® can connect you with an experienced personal injury attorney who works with accident victims throughout Georgia.
Your lawyer will:
- Handle all communication with insurance adjusters
- Collect evidence like police reports and medical records
- Negotiate a fair settlement for your medical bills, pain, and suffering
- Ensure that your doctors get paid directly from your settlement
This coordination makes the process smoother and ensures you’re not left with unpaid bills or collection calls while you’re still recovering.
Frequently Asked Questions About Accident Doctor Costs
What if I don’t have health insurance?
You don’t need health insurance to be treated at HURT911®. There are no upfront payments, and your care is covered through your personal injury case.
How soon should I see a doctor after an auto accident?
Ideally, you should see a doctor within 72 hours of the crash. The sooner you’re evaluated, the better for both your recovery and your legal claim.
Can I still get treatment if I have already hired a lawyer?
Absolutely. HURT911® works with many law firms across Georgia and can coordinate with your current attorney.
The Real Impact of Waiting
Some people delay seeing a doctor after an accident because they think their pain will go away on its own—or because they’re worried about the cost. Unfortunately, waiting can make things worse.
Untreated injuries can lead to chronic pain, limited mobility, and even long-term disability. It can also make your injury claim weaker since the insurance company may argue that you weren’t really hurt.
At HURT911®, there’s no reason to wait. You can get evaluated right away with no upfront costs and start the healing process immediately.
How to Get Started with HURT911®
Getting care is simple:
- Call 1-800-HURT911® or request an appointment online.
- Get evaluated by a doctor, chiropractor, or therapist experienced in car accident injuries.
- Begin treatment immediately, without worrying about payment.
- Get connected with a lawyer (if you don’t already have one) who will handle your claim.
- Focus on recovery while HURT911® and your attorney handle the rest.
Every step is designed to make your recovery faster, easier, and stress-free.
Get Top-Quality Medical Care After a Car Wreck
After a car accident, the last thing you should be worried about is how you’ll pay for medical care. Unfortunately, without help, even basic treatment can cost thousands of dollars.
HURT911® takes that burden off your shoulders. With no upfront costs, experienced injury doctors, and coordinated legal support, you can focus on healing—knowing your medical care is covered.
If you’ve been hurt in a car accident that wasn’t your fault, don’t wait another day. Call 404-687-9000 or contact HURT911® Georgia Injury Centers to schedule your appointment. Your recovery starts now—and it won’t cost you a dime upfront.
