If you were in a car accident but don’t have health insurance, you likely have other options to cover your medical bills. Under Florida’s “no-fault” collision laws (Statute 768.81), you have $10,000 to cover a portion of your medical bills and lost wages, even if the other driver caused the accident. This means even if you do not have health insurance, it is likely that your auto insurance will cover your accident-related medical care.
If you do not own a car, the at-fault driver’s insurance coverage should cover your medical expenses. Also, if you were in another person’s car when the accident occurred, that driver’s Personal Injury Protection (PIP) policy as mandated by Florida state law (Statute 627.736) should cover you as well. You will receive life-saving treatment regardless of whether you have health insurance coverage or not.
You should talk to a car accident lawyer who can explain your rights and how to pursue compensation if you have medical bills from a car accident in Orlando.
A Car Accident Lawyer Will Protect Your Rights
Florida has complex liability and negligence laws. Few people have the legal knowledge or experience to fully exercise their rights, including the right to compensation.
You should consult a law firm that handles many types of car accident cases, including:
- Head-on collisions
- Rollover accidents
- Pedestrian accidents
- Bicycle, moped, and scooter accidents
- Truck accidents including 18-wheeler and semi-trucks
- Hit and run accidents
- Motorcycle accidents
- Intersection, crosswalk, and rear-end accidents
How to Seek Compensation for Medical Expenses
A car accident lawyer can help you find potential sources for compensation if you do not have health insurance.
These sources might include:
- Your Florida auto insurance coverage (required for all Florida residents who own a vehicle)
- The other driver’s auto insurance coverage
- Your workers’ compensation benefits if you were injured while on the job
- Filing a lawsuit against the at-fault party
The statute of limitations in Florida (Statute 95.11) generally allows you four years from the date of the accident to file a personal injury lawsuit. This may seem like plenty of time, but it is important to act quickly if you have unpaid medical bills.
How a Car Accident Lawyer Helps When Medical Bills Exceed the PIP Limit
A serious car accident injury can quickly exhaust the available coverage from either your own auto insurance or the other party’s policy.
If this happened to you, a car accident lawyer can pursue compensation in several ways:
- File a personal injury lawsuit against your auto insurance carrier for added compensation.
- Take legal action against the other driver’s insurance carrier.
- File a civil action against the at-fault party.
Let Our Car Accident Lawyers Help
It can be confusing and stressful to be injured in a car accident without health insurance. You are not alone when you have a car accident attorney from the Law Offices of Anidjar & Levine by your side. Our legal team is here to answer your questions and help you get the compensation you may be entitled to recover.
For a free case review at your home, the hospital, or our office, call 1-800-747-3733.
