Chas, If you live in the USA, and, just say you are hit by a car, and taken to Hospital, the first thing they ask, is, “Are you Insured?.” If not, my understanding is that you get sent to a lesser hospital, where the treatment is not as good as it would have been, if you did have Insurance.
Jim.
Lincoln .7

My understanding is that insured or not, they cannot deny you life saving treatment, but they can still invoice you for it. Either way, medical bills are the number one cause of bankruptcy in the US.