Your back injury may or may not prevent you from obtaining health insurance coverage in the future, depending on the nature of the injury, the cause of the injury, and the type of liability or health insurance in question.
How do health insurance companies provide compensation for a back injury?
A back injury can mean many things. Anything from severe spinal damage to soft tissue injury can be classified as a back injury. If you suffer such an injury, your health insurance company or your medical insurance company may end up paying your bills. Under some circumstances, your car insurer or the liability insurer of the person responsible for the accident could end up dealing with the costs associated with the back injury.
Who pays may depend on where you live and who was at fault. For example:
Will my back injury prevent me from finding liability or health insurance coverage in the future?
For the most part, a back injury won't raise your car insurance or liability premiums in the future or prevent you from procuring future insurance coverage. The fact that you got into an accident might make it harder to get a policy since it creates a blemish on your driving record, but this is only the case if you were at fault.
The only type of insurance coverage you may find difficulty obtaining is health insurance. If your back injury is considered a pre-existing condition, a health insurer may either not wish to insure you, or may charge you a high cost or exclude your pre-existing back condition from the terms of your plan.
With changes under the new health care legislation passed in 2010, this may become a reduced concern, since these laws provide increased protections for people with pre-existing injuries or illnesses.
If you believe you are being unfairly denied health insurance, you should consider speaking with a lawyer for advice.