Why Your Car Insurance Keeps Going Up
A short Bridgewater Law Group video explaining why car insurance premiums may keep increasing and what drivers should understand about coverage.
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Short Answer
Yes. Emergency rooms must evaluate and stabilize you regardless of insurance, and many California providers treat accident victims on a lien basis — payment is addressed from your settlement later instead of upfront.
Yes — and you should not wait. Under federal law, emergency rooms must evaluate and stabilize you regardless of your ability to pay. Beyond the ER, many California providers — doctors, chiropractors, imaging centers — regularly treat accident victims on a lien basis, which means payment is addressed from your eventual settlement instead of upfront.
If your auto policy includes medical payments (med-pay) coverage, it can also help cover early treatment. An attorney can connect you with lien-based providers in your area so cost never becomes the reason an injury goes undocumented and untreated.
This answer comes from our guide
Can You Get Medical Treatment Without Health Insurance?
Read the full guide
Last reviewed: 2026-06-12
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