GETTING YOUR MEDICAL BILLS PAID AFTER A CAR ACCIDENT IN FLORIDA
Under Florida law, your automobile insurance company is responsible for paying a portion of medical bills and lost wages related to a Florida car accident regardless of whether the accident was your fault. This type of insurance coverage is called Personal Injury Protection coverage or “PIP.”
Florida law requires every resident of Florida who owns a motor vehicle to purchase PIP coverage. This coverage protects you while driving your vehicle or when a passenger in another’s vehicle. It also provides coverage to your relative who live with you if they were not required to purchase PIP themselves.
The minimum limit for PIP benefits is $10,000.00 per person. The PIP pays 80% of reasonable medical bills that are medically necessary and related to a car accident. It also pays 60% of all lost wages or earning capacity which is related to a car accident. This includes expenses reasonably incurred for household services that if not for the injury, the injured person would have performed (having to pay for yard work after an accident; housecleaning services after a car accident, etc.)
It is important that your medical provider knows who your automobile insurance company is so they can submit the bill for payment within the required time period. Otherwise, PIP may not be responsible for payment of the bill.
As explained, your insurance company is responsible for 80% of the medical bills and 60% of your lost wages up to $10,000.00. Who pays the unpaid 20% medical bills and 40% lost wages? Also, what if your medical bills and lost wages exceed $10,000.00? If your medical bills and lost wages after a Florida car accident were caused by the negligence of another driver, you are entitled to make a claim against the other driver’s insurance company for the unpaid medical bills, unpaid lost wages, and other damages.
Before you talk with any insurance company about your medical bills and lost wages after a Florida car accident, you should consult with a lawyer who understands Florida’s PIP law. Attorney Matthew Noyes’ law firm has been helping those injured in car accidents throughout Florida for over 52 years. To Get FREE Legal Advice Regarding Your Florida Car Accident, Simply Click Here.