Crash moto bike and car on road

How Do I Get My Medical Bills Paid After a Bike Accident With No Insurance? 

Injury Lawyer PDX, LLC  June 11, 2024

Imagine this scenario—you’re out enjoying a bike ride around Portland, taking in the fresh air and beautiful scenery. A car comes from nowhere and knocks you down.  

You're badly injured, and your bike is destroyed. On top of the pain and stress, you have no medical insurance. What do you do? How can you get your medical bills paid without insurance? 

Understanding Your Options

First off, remain calm. There are alternatives if you lack health insurance. Here are some options you can consider: 

Personal Injury Protection (PIP) Coverage 

If you own a car, you might have Personal Injury Protection (PIP) coverage as part of your auto insurance. PIP can cover medical expenses, regardless of who was at fault in the accident. Check your auto insurance policy to see if you have this coverage. 

Health Insurance Through Family or Friends 

While you may not have health insurance, it’s worth checking if a family member or close friend can add you to their plan temporarily. Some insurance providers offer this option, particularly if it’s an emergency situation. 

Filing a Claim with the At-Fault Party's Insurance 

If another party was at fault in your bike accident, you could file a claim with their insurance company. Gather all the necessary evidence, including photos of the accident scene, medical records, and witness statements. This information will support your claim and increase your chances of getting your medical bills covered. 

Payment Plans with Healthcare Providers 

Many hospitals and doctors in Portland offer flexible payment plans. Speak to your healthcare providers about setting up a payment plan that allows you to pay off your bills over time. They are often willing to work with you, especially if you explain your situation. 

Medicaid and Public Assistance 

If your income level qualifies, you might be eligible for Medicaid or other public assistance programs. Medicaid provides medical coverage for low-income individuals and families, helping to pay for a wide range of healthcare services. Check your eligibility on the official Medicaid website or visit a local office for assistance. 

Legal Assistance and Settlements 

In some cases, the driver at fault may be liable for your medical expenses. Consult with a personal injury attorney to explore your legal options. If it’s proven that the driver’s negligence caused the accident, you might receive a settlement that covers your medical bills, lost wages, and other damages.  

Charitable Organizations and Nonprofits 

There are numerous charitable organizations and nonprofits that assist accident victims with medical bills. Organizations such as the HealthWell Foundation and the Red Cross often provide grants and assistance for medical expenses, especially in emergency situations. 


Crowdfunding platforms like GoFundMe can be a useful resource in times of need. Creating a campaign to share your story and medical expense needs can result in financial support from friends, family, and even strangers who are willing to help. Ensure that your campaign is detailed and transparent to garner more support. 

Victim Compensation Programs 

Some states have victim compensation programs designed to help victims of violent crimes or accidents with costs related to their recovery, including medical bills. Research to see if Oregon offers such a program and if your situation qualifies you for assistance. 

The Legal Situation in Oregon

Oregon follows a comparative negligence rule, meaning if you’re partly at fault for the accident, you can still recover damages. Your compensation will be reduced by your percentage of fault, but you will get something. For instance, if you’re found to be 20% at fault, your compensation will be reduced by 20%. 

Next, Oregon requires drivers to carry uninsured motorist coverage, which can come into play if the driver involved in your accident is uninsured. This coverage can help pay for your medical bills and other damages. Under this mandate, your own auto insurance policy may cover some of your expenses, even if the driver at fault does not have insurance. 

Oregon's liability laws require that the at-fault driver’s insurance covers the injured party's medical expenses up to the policy's limits. If the driver who hit you is found to be negligent, their liability insurance should cover your medical bills, lost wages, and damages for pain and suffering. 

Oregon's mandatory minimum auto insurance requirements include $25,000 per person in bodily injury coverage and $50,000 per accident. This means that if the driver responsible for your accident has the minimum required insurance, you can expect to receive up to these amounts for your injuries. 

Lastly, you have the right to file a personal injury lawsuit in Oregon. The statute of limitations for personal injury claims in Oregon is two years from the date of the accident. This means you have a limited time frame to pursue legal action to recover compensation.  

Contact a Personal Injury Lawyer in Portland, Oregon

I’ve been practicing law for over 28 years.  I also worked on the insurance defense side for two years, so I know how insurance companies think and operate. 

I’m a compassionate listener and a fierce advocate for my clients. I will go to great lengths to ensure you get the compensation you deserve. I serve clients throughout Portland, Clackamas County, Washington County, Multnomah County, Marion County, Lincoln County, and Tillamook County. 

If you’ve been in a bike accident and are struggling with medical bills, don’t face it alone. Call Injury Lawyer PDX today to schedule your free consultation and take the first step toward getting your medical bills paid.