When you’ve been injured in a car accident, it is very important that you seek medical attention right away. If you’re injured in a car accident in Florida, the question of how your medical bills are paid depends on the circumstances.
Personal Injury Protection
Florida is a no-fault insurance state, which means that all drivers are required to have personal injury protection (PIP), which covers the injured regardless of who was at fault in the accident. Florida requires all drivers to have a minimum of $10,000 in PIP coverage. PIP pays 80% of your medical bills resulting from your accident-related injury. This coverage would apply even if you caused the accident. PIP also covers you if you were the passenger in a vehicle involved in an accident. You have 14 days to seek medical treatment in order to have your bills covered by PIP. If your injury is not an emergency, you will only receive $2,500 in coverage.
If you have health insurance, then that coverage will kick in after your auto insurance payments have been exhausted. You will likely be responsible for any co-pays or deductibles unless you later pursue a claim against an at-fault driver.
What if the Other Driver is At-Fault?
What happens if your PIP insurance has exhausted your medical coverage but you still have bills to pay? If your accident was caused by the actions of a negligent driver, then you may have your medical bills covered by any bodily injury liability insurance the driver has. You will only be able to make a claim for bodily injury liability if you have sustained a permanent injury. What constitutes a permanent injury is defined by statute.
If the negligent driver does not have insurance or does not have enough insurance to cover your injuries, you may be able to pursue coverage through your uninsured/underinsured motorist coverage if you have it. This coverage could make up the difference between what is covered by the other driver’s bodily injury liability insurance or cover your medical expenses if the other driver did not have insurance.
Injured in a Car Accident? A Florida Accident Attorney Can Help
If you’ve been injured in a car accident, you should consult with an experienced accident attorney. Gregg Goldfarb has over 20 years of experience helping the injured. Contact us online or call us at 305-374-7000 to schedule a free consultation.