For those who worry about this scenario there are some solutions which are being offered by third party companies.
Personal injury medical funding and personal injury liens offer some respite for the providers of care and the patient both.
Health facilities often find themselves at a great disadvantage when faced with someone who has some kind of insurance but which is not enough to cover all the treatment that they need.
Where do they draw the line when it comes to treatment and how do they tell the patient that their account is now empty? Of course, this can be a terrible moral dilemma but it is also a business decision which has to be made if the facility is to stay in business.
Of course, the coverage which is offered by most companies through employment schemes is usually quite good.
But there does come a time when accidental damage can eat up a vast amount of the resources at hand quite quickly.
This is now where the patient and facility alike is placed into a very difficult position.
The patient may need some extended treatment like physiotherapy or help at home, while the treatment center may need to be paid all of what they are owed up front.
Of course, no facility can run on good will so it is obvious that they have to know that the bills will be paid before they undertake some expensive procedures.
What these third party companies do is to buy up these debts as they occur.
If the debt is to go to court, for example if the accidental damage has to be proved, then the company will guarantee to pay off the debt within thirty days.
They only pay a percentage of the debt and then they wait for the court case to be finished so that they can collect the total sum for themselves.
What this does is to guarantee payment to the facility which means that they can broaden their client base and just get on with the job of dealing with patients instead of worrying about if they will get paid and when.
For the patient it means that they will not be left with a decision to either forgo treatment or sell off the house to get the treatment done.
The third party company also wins since they are well versed in working out which cases are good risks and which are not.
The heavy discount that they receive is more than enough to cover all their expenses and leave enough profit for it to be a viable risk in the first place.
All in all, this assists all those concerned but particularly those poor individuals who, through no fault of their own, have been damaged and who will have to suffer through some rather painful treatments and ongoing problems after the event.