If you sustain injuries in a car accident, it is critical that you seek the necessary medical attention you need immediately so that you can receive an accurate diagnosis and begin the necessary course of treatment as soon as possible. Many people hesitate to go to an emergency department, urgent care, or doctor because of concerns regarding the cost of treatment. However, it is important to know there are avenues for your to seek coverage for your medical expenses after a car crash in Florida.
PIP Insurance
The primary method of seeking payment for your medical bills is through your personal injury protection (PIP) insurance policy. Florida law requires that every driver carries a minimum policy of $10,000 in PIP coverage that is intended to cover their medical costs from a crash – even if another driver was at fault in the accident. This coverage should cover at least 80 percent of your medical bills up to your policy limits.
MedPay Coverage
When you purchase auto insurance, you have the option to purchase a medical payments policy, or MedPay. This additional coverage is intended to pay your medical expenses that are not covered by your PIP policy and you can elect the amount of MedPay coverage you would like to have.
Personal Injury Claim
In some cases involving particularly severe injuries, the law allows an injured accident victim to go beyond their own insurance coverage and file a legal claim against the party or parties that were to blame for the crash. To determine whether you have the right to file a claim, it is best to have your case evaluated by a legal professional who understands Florida car accident laws.
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