A British holiday rep died after refusing to go to a doctor for treatment because of the costs involved, an inquest heard.
Kayleigh Harris was hit in the head on her day off job at a hotel in the French Alps in 2016 when she collided with another skier.
The impact was so severe it shattered her helmet and she became drowsy, but she was known for being a "deep sleeper".
She began to complain of a headache on March 30 to the hotel's head chef Seann Peters.
Mr Peters said: "She was quite jovial and proud of her little bump, joking about the skier like 'what a d***, I can't believe he just skied away'."
An ambulance was called at 8am on March 31 and she suffered a cardiac arrest as paramedics arrived.
She had to be resuscitated on the pavement before she could be taken to hospital.
The 23-year-old went into a coma and died after refusing treatment and an inquest has revealed her colleagues "misinterpreted" her symptoms.
The court in Taunton, Somerset, also heard Skibound, Kayleigh's employer, had little to no guidance on head injuries at the time. They have now updated their policy.
The estimated medical costs for treatment are around £600, roughly her monthly salary as a rep.
Kayleigh's mum mother Suzanne, 45, said the last message she ever received from her daughter said that "someone skied into my head, wrote off my goggles, wrote off my helmet, and my head is killing".
Suzanne and her partner were on a cruise in the Caribbean when they heard the news that Kayleigh had been airlifted to hospital.
On the journey home, she was informed Kayleigh had no brain activity and she was on life support by the time they reached her bedside.
Coroner Samantha Marsh said: "I am satisfied (Miss Harris) was encouraged to seek medical attention by friends and colleagues at the hotel and she didn't take the opportunity to do so."
Saying she was unable to state if Kayleigh would have been saved if she had sought medical help sooner, the coroner admitted the young Brit "would at least have had a chance".
Marsh added: "I am satisfied that one of the reasons she may not have done so was the prohibitive cost."
Suzanne said she didn't want to blame anyone for her daughter's death, but was frustrated at the lack of knowledge surrounding head injuries.
"I don't want to blame anyone, not even the skier. It was an accident," she said. "They shouldn't be made accountable or punished, but people should just be aware (of head injuries)."
