If you have been injured in a car accident and working on your recovery, you might have the following question on your mind: Who pays for my medical treatment after a car accident?
The answer to this question depends on a few factors, including what state you live in, and the type of insurance coverage that you have. In Florida, which is a “no-fault” state, you may have the option to cover your medical expenses in the form of your personal injury protection (PIP) on your insurance policy.
Florida law requires a minimum of $10,000 in PIP for all registered drivers. PIP coverage will pay up to 80% of your medical bills and 60% of your lost wages, up to $10,000, regardless of who was at fault for the accident. Other sources that may assist you in covering your medical costs after an accident, including the following:
- The other driver’s insurance: If the other driver was at-fault, their liability insurance can also help cover your medical expenses.
- Your health insurance policy: If you have an active health insurance policy, this may cover some, or all, of your medical expenses, depending on your policy.
- Your insurance policy’s medical payments coverage: Some, but not all, car insurance policies may include coverage for medical expenses in the event that you and your passengers are hurt in a car accident.
Notwithstanding the options listed, above, you may also need to pay for your treatment upfront. In this scenario, you may be able to seek reimbursement once fault is determined, and a settlement for your claim is reached. In that vein, it is always important to receive medical treatment for your injuries—first—and then ask questions about the bill after you receive the necessary care from a medical professional. If you have any questions or concerns about who is responsible for paying for your medical treatments after a car accident in Florida, it is a good idea to speak with an attorney who can help you understand your legal rights, remedies, and legal options. Contact Clayton Law today if you think you may be entitled to financial compensation.