With the Affordable Care Act still in its infancy, many Americans still don’t have health insurance. The cost of health care is staggering, often well beyond the means of the average person to pay. Car accidents are particularly expensive. In 2012, the average car crash resulted in about $3,000 in property damage and almost $15,000 in medical bills. For most people, that’s too big a bill to handle – especially if you have to pay up front.