Leesburg Florida car accident lawyer explains how an injured person gets their medical bills paid after a car accident.
One of the scariest things for folks who have been injured in a Florida car accident is their concern about being saddled with high medical bills. This is a valid concern; however, not getting injuries taken care of should also be a big concern. Because Florida is a no-fault state, your initial medical expenses are submitted to your own insurance company.
Florida's No-Fault (PIP) Law
Today, Florida PIP insurance has two levels of benefit. The first is $2,500 in coverage. PIP pays 80% of your medical expenses under a fee schedule to your doctors. Hospitals are paid 75% of their usual and customary fee. The level of insurance rises to $10,000 if a doctor finds that you have an emergency medical condition or “EMC”.
Who Pays the Medical Bills after PIP Runs Out?
This is a little more complicated a question. In the long run, if you are not at fault for the car accident, and the other driver has bodily injury insurance or you have uninsured motorist coverage, there will be insurance coverage to pay for your unreimbursed medical expenses.
In the short run, the medical bills will be your responsibility. If you have health insurance, your health insurance will jump in once PIP has run out to pay your medical bills. If you have Medicare or Medicaid, the same is true.
If health insurance or government programs pay the medical expenses they will be entitled to receive repayment of some or all of the money they paid, if you receive compensation from the other driver.
Clear as Mud
This whole medical bill issue can be very complex. As a Florida car accident attorney, I can tell you that I spent at least 25% of my time, dealing with health care providers and insurance companies dealing with these issues. This is one of the reasons that a car accident victim may need to retain an attorney. There is nothing more stressful than dealing with these insurance companies and issues while you're trying to recover from your injuries and maintaining your life.
If you have any questions about a Leesburg, Florida car accident, you can call me directly on my cell phone at (352) 267-9168 or fill out the internet consultation form on the right hand side of the screen.