You have been injured in an automobile accident, who pays the medical bills?
If you own or lease a vehicle in Florida, you are required by law to have a minimum amount of $10,000.00 in Personal Injury Protection (“PIP”).
Also called “Florida No Fault Insurance”, for the large majority of people, PIP covers the first $10,000.00 in medical treatment regardless of fault. Some individuals choose to purchase additional PIP coverage and/or MEDPAY coverage, but this is rare.
Your automobile insurance policy (PIP) should be the first to pay for your medical bills and lost wages – even before your health insurance.
Our personal injury attorneys will help you navigate through your auto insurance policy, to ensure that your available benefits are clearly explained to you. Your insurance will be responsible for 80% of your reasonable medical expenses related to the accident and 60% of your lost earnings subject to the limits of the coverage and any applicable deductible (or up to the specified policy limit).
I don’t have auto insurance – am I still covered by PIP?
Our accident and injury attorneys frequently receive phone calls from potential clients who don’t have auto insurance, but have been injured in an auto accident. The first question is always…“How am I going to pay my medical bills if I don’t have car insurance?
What most people do not realize is that PIP insurance can come from several sources, often times from resident family members, the driver of the vehicle (if you were a passenger), or the at-fault vehicle (if you were a pedestrian). In every accident and injury case, our attorneys will explore every possible way to obtain coverage for you or a loved one.
What happens if I do not qualify for PIP or PIP exhausts?
If you do not qualify for PIP or PIP exhausts, you can STILL receive treatment on a letter of protection (LOP) or through your health insurance (if applicable). Please review one of other articles on Letters of Protection or call one of our experienced personal injury attorneys.