Any time someone is injured and undergoes medical treatment, there is that immediate fear of, "Oh no! Now I'm going to be hit with more medical bills." If you do have health insurance, you still have copays to cover, and you still may receive bills not covered by your provider. If you don't have health insurance, you're about to be responsible for potentially thousands of dollars of bills. You also may have saved up a lot of money and now fear that your savings will go to paying medical bills, especially if you have a severe injury.