After a car accident, nothing can be more daunting than seeing your medical bills pile up without anyone covering them. All Florida drivers are required to carry personal injury protection (PIP) insurance, which is designed to cover medical bills after an accident. However, if you’re insured, you can file a damages claim with your insurance adjuster for the injuries you sustain in the accident.
The question is, before filing your claims with your insurance company, who will pay your post-accident medical bills? Here are some answers:
Personal Injury Protection Insurance
PIP, also known as no-fault insurance, must be carried by everyone that drives in Florida. This insurance policy is designed to cover all the medical expenses of drivers or passengers involved in a motor crash, with a set limit of $10,000. If your medical bill exceeds that amount or you have exceeded Florida’s no-fault insurance limit, then your health insurance provider is responsible for paying the bills.
Med Pay is intended to pay for the 20% your medical bills not covered by PIP if you’re injured in a car accident. After the incident, your doctor will gather all the paperwork and bills and send them directly to your health insurance provider for reimbursement.
Health Insurance Coverage
Health insurance coverage is meant to cover all your medical bills if you ever find yourself in a situation that requires medical attention. After a car accident, you can file a claim with your insurance company for damages. If you can claim your compensation as quickly as possible, then you won’t have to find other ways to cover your medical bills.
Call a Florida Car Accident Attorney
If you’re involved in an accident that requires you to pay a medical bill that exceeds your PIP insurance limit, contact the experienced car crash attorneys at Louis Law Group. They can advise you on the next steps to take. We’ll look into your case to determine the best compensation option for you.