How Will My Medical Bills Get Paid After a Parrish, Florida Car Accident?

Jim Curtis • January 22, 2025

How Will My Medical Bills Get Paid After

a Parrish, Florida Car Accident?

 

The number one question that people have after a car accident is “who is going to pay my medical bills.” A lot of people think that since Florida is a “no-fault” state, that as long as they are not at fault for the accident the other driver’s insurance will automatically pay 100% of their bills. That is not the case. To understand how medical bills get paid after an accident, it is important to understand the various insurance coverages and how they work together to cover your medical costs after an accident.

 

1. Personal Injury Protection (PIP) Coverage

 

After a car accident, the first layer of insurance that will be responsible for paying your medical bills is your Personal Injury Protection (PIP) Coverage. This is also commonly referred to as “no-fault” insurance. Every driver in the state of Florida is required to purchase PIP coverage, and it provides coverage for you regardless of who was at fault in the accident. So when you’ve been injured in an accident, regardless of who caused it, your PIP coverage will be the primary (or first) coverage that will be billed for your medical treatment. Here are some important points about PIP coverage in Florida:

 

·     The minimum amount of PIP coverage required by state law is $10,000;

 

·     To qualify for PIP – you must seek initial medical care within 14 days of your accident; and

 

·     PIP pays 80% of reasonable and necessary medical expenses and/or 60% of lost wages if you are prevented from working due to        accident related injuries;

 

So when you’ve been injured in an accident, your doctors will initially bill PIP under your own insurance policy before billing any other insurance (regardless of fault). With that said, PIP will only pay 80% of those bills, so the next question is “what happens with the 20% remaining?”

 

 

2. Medical Payments (MedPay) Coverage

 

Medical Payments Coverage, or MedPay, is not required in Florida. However, if you’ve purchased MedPay it can be used to pay the remaining 20% of the medical bills PIP didn’t pay, or any bills over and above PIP to the extent of your MedPay limit of coverage. It can also pay your PIP deductible, if you have one.

 

3. Health Insurance

 

Health insurance can also play an important role in paying your accident related medical bills. If you don’t have MedPay, your health insurance can be billed by your doctors to pay the remaining 20% that PIP doesn’t pay. It can also be used to pay your medical bills over and above PIP and MedPay when those coverages have been exhausted and you require additional medical treatment. However, if health insurance pays for any of your accident related medical treatment, your health insurer will have what is called a subrogation interest.

 

Subrogation is the process by which your health insurance can seek reimbursement for any expenses it has paid for your accident related medical treatment if/when you recover from the at fault driver’s insurance company. This means that when your health insurance pays and you recover money from the at fault driver’s insurance, you will likely have to pay your health insurer back for any money it has paid for your treatment.

 

Unfortunately, not everyone has health insurance, and not all doctors accept every health insurance provider. If you’ve exhausted your PIP and MedPay and you don’t have health insurance, don’t worry because you can still seek treatment for your accident related injuries. That’s because there are doctors that treat accident victims who, in the case of someone without health insurance (or if they don’t accept your health insurance), will defer receipt of payment until your case is over. This is called a Letter of Protection, whereby you and your attorney agree to protect the doctor’s interest and pay them when your case is over.

 

4. Bodily Injury (BI) Coverage

 

Bodily injury coverage is insurance that may apply when you’ve been injured in an accident that wasn’t your fault (or you weren’t completely at fault). This is the at fault driver’s insurance that will cover you for medical expenses over and above what PIP has paid, lost wages, loss of future earning capacity, and/or pain and suffering damages. Unfortunately, Florida is the only state that does not require drivers to carry bodily injury coverage. Because it’s not required, and because of the rising costs of auto insurance, there are many drivers who choose not to have this coverage. In addition, because this coverage is not required, there are also many drivers who only purchase minimal bodily injury coverage. If there is no bodily injury coverage, or only minimal BI limits, there may not be much, if any, insurance proceeds for you to collect from the at fault driver.

 

5. Uninsured/Underinsured Motorist Coverage 

 

Uninsured/Underinsured Motorist Coverage (UM/UIM) is not mandatory in Florida but it is highly recommended that you buy it. This coverage protects you if you have been in an accident with an uninsured driver (a driver that does not have bodily injury coverage), or a driver that has only minimal bodily injury coverage limits. In such a case, you can file a UM/UIM claim with your own insurer who will then “stand in the shoes” of the at fault driver. You are then able to recover any of the damages you otherwise could have recovered from the at fault driver if they had bodily injury coverage (up to the limits of your UM/UIM coverage).

 

Call Jim The Lawyer

After Your Parrish, Florida Car Accident

 

Navigating the complex world of insurance after a Parrish car accident can be a daunting challenge. That is why hiring an experienced car accident lawyer can make all the difference in the outcome of your Parrish car accident case.  If you’ve been injured in a Parrish, Florida car accident, Jim The Lawyer is here to help you fight to get the maximum compensation you deserve for your injury. Contact Jim The Lawyer, Accident and Injury Attorney, at (813)937-9907 for a FREE Consultation and Case Evaluation.

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Do I Have to Call the Police After a Car Accident in Florida? There is nothing more inconvenient than being in a car accident. That’s why many people don’t even wait around to call the Police after one occurs. But is this legal? The answer depends on the circumstances of the crash, but understanding the legal requirements and practical implications can help you make an informed decision in an otherwise stressful situation. Florida’s Legal Requirements for Reporting Car Accidents Florida law requires you to file a police report if your crash meets any of the following criteria: · If there is any injury or fatalities · When there is property damage exceeding $500 · Hit-and-Run situations · If there is suspicion of impaired driving · The accident involved a commercial vehicle · A vehicle needs to be towed from the scene Failure to report your accident in such a case could potentially result in criminal penalties. However, although the law requires a report of the crash if any of these criteria are met, the law does allow drivers up to 10 days to file a crash report with local authorities if they did not call the police at the scene. This obviously would not apply in the case of injury or fatality, or if a driver is impaired. These should be reported immediately. Regardless of the situation, it is always best practice to call the Police after a car accident. Why You Should Call the Police Even When You’re Not Legally Required to Do So There are number of reasons why you should still call the Police after a car accident even if you don’t meet any of the criteria that would legally require you to do so. The reasons include: There is Less Chance for Conflicting Stories When information is gathered quickly at the scene of an accident by the Police, it can then be preserved and there is less chance that it can be misconstrued in the future. People also tend to be more forthcoming at the scene when talking to the Police. However, when given time to think about it, stories often change, especially if a person knows that a claim is being pursued against them. Calling the Police and getting a report can help prevent this happening. Document the Accident The Police Report is the best place to document your accident right after it happened. Unlike merely exchanging information with the other driver, having the Police obtain a statement from all parties involved as well from any eyewitnesses is crucial for any subsequent insurance claim. The Police will often also assign fault to a party, which can be useful in a subsequent claim as well. Document Your Physical Complaints The Police Report is your first opportunity to document any physical complaints that you may have, while still at the scene of the accident. This is very important, especially if you’re unable to seek medical treatment right away. In such a case, without a Police report documenting your complaints, the insurance company may question whether you were even hurt in the accident, especially if it took 4-5 days for you to get in to see a doctor. When You Might Choose Not to Call the Police Although it is always best to call the Police after a Florida car accident, there are times where it may not be imperative that you do so. One such situation would be in the case of a minor accident with no injuries. If the crash is minor and all vehicles are driveable, and nobody is complaining of any injury, waiting around for the Police to show up and take down your information may not be necessary – as long as you still take steps to properly document your accident. Those steps should include: · Exchanging Information: Take a photo of the other driver’s license and make sure to get insurance information. · Take Photographs: If you are not going to call the Police after your accident, it is even more important that you document the crash by photographs. Be sure to take photos of the scene of the accident, and of the damage to all of the vehicles involved in the crash. · Witness Statements: If there are witnesses to your accident, ask for their names and phone numbers so you can get a statement from them later, if necessary. From here, contact a lawyer if you have any questions about filing an insurance claim, or if you begin to feel pain and believe that you may have been injured. Challenges in Pursuing an Insurance Claim Without a Police An insurance company will question everything after an accident. This is especially true if there is no Police Report. Without a Police Report, there is a good chance that liability may be disputed, as there is likely to be conflicting stories from each driver. The Police will investigate the crash and determine who they believe caused the accident. This can help if there are conflicting versions of what happened. Another challenge is in proving that your injury is related to the accident, and not to something else. Without a Police report documenting your complaints, the insurance company may dispute your injuries and their relation to the crash. This is especially true if you don’t seek treatment right away. Call Florida Car Accident Attorney, Jim The Lawyer, for Legal Help Hiring an experienced car accident lawyer can make all the difference in the outcome of your Florida car accident case. If you’ve been injured in a Florida car accident, Jim The Lawyer is here to help you fight to get the maximum compensation you deserve for your injury.  Contact Jim The Lawyer, Accident and Injury Attorney, at (813)937-9907 for a FREE Consultation and Case Evaluation.