Because Florida is a “no-fault” state, you are generally required to seek coverage for medical bills through your own insurance company instead of holding the other driver accountable. However, there are ways to step outside the no-fault insurance system and pursue legal action if your medical costs exceed your coverage. A lawsuit can provide you with financial compensation above and beyond the cost of medical care.
At Kogan & DiSalvo, we could guide you through the entire claims process and work to obtain the maximum compensation you deserve. Further, our dedicated and compassionate car accident attorneys could become your legal advocates while you focus on healing. If you’ve been hurt in a car accident and would like to learn more about your options regarding coverage for your medical bills and other damages, don’t hesitate to get in touch with us today for a free, no-obligation consultation.
Your insurance policy typically pays first
Under many circumstances, your own insurance carrier will be responsible for the cost of your medical care after an accident. As noted above, Florida is a “no-fault” state. Therefore, you are required to carry insurance that will pay for your medical costs following an accident—no matter who was at fault.
These policies, known as personal injury protection or PIP, cover specific losses, including medical bills. There are some benefits to PIP coverage. Since it is not based on liability, your insurance company will typically arrange to pay for your medical care regardless of who was at fault. The downside to this coverage is that it does not pay for everything, e.g., the pain and suffering you sustained in the accident.
MedPay and health insurance could also cover medical costs
PIP is not the only type of insurance that might pay for your medical treatment. MedPay is optional coverage that will pay for medical expenses following an accident. It can fill any gaps from your PIP insurance. Moreover, you might also have health insurance, and while this is typically the last policy to pay for your damages, it may cover amounts over your policy limits on other insurance coverage.
The other driver might be held responsible
It is possible to step outside Florida’s no-fault insurance system and pursue a personal injury lawsuit. This is an important option for anyone who has been seriously injured. This can include a permanent disability or scarring. You may have grounds to sue another driver in a civil lawsuit for your car accident injuries. However, the grounds for filing an injury lawsuit against another driver in a no-fault state are complex. The good news is that a Florida car accident attorney could help you understand your legal options moving forward.
Schedule a free, no-obligation case review
The team at Kogan & DiSalvo is ready to help you pursue justice, including covering your medical expenses, following a car accident. We represent personal injury victims in South Florida, and it is our privilege to continue. We are passionate about providing exceptional legal advocacy to clients from all walks of life. Call today to schedule a free, no-obligation case review. In addition, we work on a contingency basis, so there are no upfront legal fees.