After a Wreck, If My Insurance Company Pays for Damage to My Car, Will They Pay for My Medical Bills, Too?
After a car accident, you will likely have both car repair bills and medical bills that you need to pay. Your car insurance company will pay to repair your car. In Florida, your insurer will also pay for at least a portion of your medical bills under the personal injury protection (PIP) portion of your policy. However, you must prove your eligibility for injury-related damages.
If you sustained serious injuries, such as brain or spinal cord damage, your PIP coverage limits may not cover all of your bills. If you have health insurance or Medical Payment (MedPay) coverage, you can also pursue those options for covering your medical bills.
If you do not have health insurance or MedPay, you can file a claim with the other driver’s car insurance—as long as the accident was the other driver’s fault. The attorneys at the Law Firm of Anidjar & Levine can help. Call our office at 800-747-3733 to schedule a free case evaluation.
How Much Will PIP Insurance Pay?
Under Florida law, PIP coverage is mandatory if you own and drive a personal vehicle. The limit to this coverage is $10,000 per person, per incident. However, PIP will not pay the full amount of your medical bills.
PIP will cover 80 percent of your medical bills, up to $10,000, as long as your injuries constituted an emergency medical condition. It your injuries do not qualify as an emergency medical condition, this coverage will only pay $2,500.
In addition to the 20 percent “co-pay” under PIP coverage, the insurance may not begin to pay out on your medical bills until you have met your policy’s deductible.
How Much of My Bills Will MedPay Cover?
If you carry MedPay coverage as a part of your car insurance, it will pay your 20 percent co-pay that PIP does not cover. The limit on how much of your medical bills this insurance will pay depends on your plan, however.
How Do I File a PIP or MedPay Claim?
When you call your car insurance company to make a claim for auto repairs, you should also file a claim for your PIP coverage. If you carry MedPay coverage, you should request coverage under this policy as well.
As soon as you receive the forms, fill them out and return them to the insurer to open the claim. Forward all of your bills to the insurance company as you incur them.
Our attorneys can help you navigate this process. We can file your paperwork on time and provide your insurance company with compelling evidence of your medical costs.
Who Pays the Bills If the Accident Was Not My Fault?
If your accident occurred because of someone else’s negligence, they may be liable for all of your expenses. You can collect those by filing a claim with the other driver’s car insurance. However, you need proof that you suffered a serious injury in the crash.
Our attorneys can help you prove you meet the legal threshold to file this type of claim.
What If the Insurance Company Is Not Paying My Bills?
Insurance companies, even your own, attempt to minimize liability. One way an insurer accomplishes this is by denying claims. An insurer may assert that you do not need further treatment or that your medical bills are excessive.
At the Law Firm of Anidjar & Levine, we can help you with your claim and, if necessary, file a lawsuit to compel an insurance company to pay. Call us today at 800-747-3733 to learn more.