Medical Bills From A Car Accident
Any medical bills that you accrue from treatment related to a car accident are paid by your personal injury protection (PIP) coverage. PIP insurance may pay up to $10,000.00 of medical bills if you have an emergency medical condition. Your insurance company may pay up to $2500.00 of medical bills if your doctor did not give you an emergency medical condition diagnosis. It is your insurance carrier (if you have your own automobile) that pays your medical bills even if you were not at fault in an accident. If you do not own a vehicle, but live with someone who does own a vehicle, their insurance carrier may pay your bills. Additionally, if you were a passenger in a vehicle, and do not have your own car or live with someone who does, then the owner of the vehicle’s insurance carrier should pay your medical bills.
A bodily injury claim may be filed against the owner and driver of the at-fault vehicle. The bodily injury claim is designed to compensate you for medical bills accrued beyond the $10,000 of personal injury protection benefits.
In Florida, the three main auto insurance carriers are State Farm, Progressive and Geico Insurance. These carriers all issue personal injury protection coverage to your auto insurance policy. We are often asked if your premiums will go up if you make a PIP claim against your own insurance policy. The answer is possibly. However, if you never make a legitimate claim for personal injury protection benefits, then you are essentially paying a tax to own a vehicle. This is because PIP insurance is mandatory in the State of Florida. You have the insurance. If you have it, but never use it, then it’s just a tax for you to lawfully drive your vehicle in Florida.
If you have more questions about medical bills arising from a car accident, call us today for a free consultation at 561-588-2781 .