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Florida is a no-fault state for car insurance. Your own auto insurance pays the medical bills no matter who is at-fault for the accident. However, if your medical bills are more than your insurance coverage and you were not responsible, you may file a lawsuit against the at-fault party. However, your damages must exceed the limit of your mandatory Personal Injury Protection (PIP) insurance, and/or the injury you suffered is permanent.
Learn more from the experienced Fort Lauderdale car accident attorneys at Kogan & DiSalvo. We can also guide you through the often-complicated claims process so you can focus on recuperating from your injuries and rebuilding your life.
Personal Injury Protection and Med Pay
All Florida drivers must carry $10,000 in PIP, which covers 80 percent of medical bills relating to car accident injuries. You must still pay the additional 20 percent. PIP covers more than the driver of the vehicle. It also covers family members residing in the same home as the insured.
Florida insurers also offer MedPay coverage as a policy add-on. If you opted for additional coverage via MedPay, you might find that the entirety of your medical expenses is covered. While similar to PIP, MedPay covers all medical bills up to a specific amount.
Health Insurance
If you have health insurance, you can submit medical bills exceeding your PIP and MedPay coverage to your insurer. Before doing so, you must ensure that all car insurance options have been exhausted. If you file a personal injury claim, your health insurance will place a lien on any settlement to make sure they are reimbursed for the cost of care they covered.
Those relying on Medicare or Medicaid for health insurance should have their medical bills paid by these programs. However, keep in mind that some reimbursement of medical costs may prove necessary.
Workers’ Compensation
Worker’s Compensation should handle all accident-related injuries as long as the individual was performing duties related to their employment. For example, driving a delivery truck to local grocery stores. It may not cover commuting to and from the job.
Contact a Fort Lauderdale Car Accident Lawyer
If you or someone you know was seriously injured in a car accident due to another party’s negligence, you need the services of an experienced car accident lawyer in Ft. Lauderdale at Kogan & DiSalvo. Schedule a free, no-obligation consultation today. If your medical bills are much greater than your insurance coverage, we can discuss whether you are a candidate for filing a personal injury lawsuit against the at-fault party.
