Which Insurance Company Is Going To Pay Your Florida Car Accident Medical Bills?

Posted by Guy DiMartino | Mar 26, 2013 | 0 Comments

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.

About the Author

Guy DiMartino

I have loved helping people in need for almost three decades.  It has been my privilege to serve people as their pastor, chiropractor, and lawyer.  The current focus of my legal practice and life’s passion is helping the seriously injured receive complete compensation for their injuries. I am a Florida Board Certified Civil Trial Attorney. What that really means is that I am no stranger to the courtroom.  I have successfully tried and handled serious cases in state and federal courts.  My backgrounds in both law and chiropractic medicine have given me a unique perspective, extensive knowledge, and wide experience to serve those I represent. For years as a chiropractic physician, I treated my patients to alleviate their pain and suffering. Now as their lawyer, I fight to bring them financial compensation for their pain and suffering. During my years of service, I have handled many traumatic injury cases ranging from the traumatic amputation of a limb to brain and spinal cord injury.  I consider it an honor to serve you and your family. When a person entrusts me and I accept to represent them, I don’t take that relationship and responsibility lightly. My approach is that we work as a team. We are partners and our goal is the best outcome for you and your family with the highest level of communication throughout. I am always available by phone or email to discuss my potential representation of your injury case. I handle cases throughout Florida. Education: National University of Health Sciences – BS (1984), DC (1986) Valparaiso University School of Law – JD, summa cum laude (1999) Bar Admissions: Florida (2000), Indiana (1999), Illinois (2000, expired); US District Courts of Appeals (11th Circuit, 7th Circuit); United States District Courts: Southern and Middle Districts of Florida; Northern and Southern Districts of Indiana; Northern and Central Districts of Illinois; and District of Colorado. Certification:  Civil Trial, Florida Bar Guy DiMartino on Google+ – Circle Guy on Google+ Guy DiMartino on Google+


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