Not every injured driver needs to pursue a lawsuit to get injury coverage after a crash. There are several different options available to pay for your medical costs after a Florida car accident, including:
- No-fault car insurance. All Florida drivers are required to purchase Personal Injury Protection (PIP) coverage from an auto insurance company. Since Florida is a no fault car accident state, all drivers claim their injuries and losses on their own car’s insurance policy. If you're not insured under any auto policy and were injured as a passenger, you can request payment under the PIP medical coverage of the vehicle you were riding in. If you were injured as a pedestrian, you can seek medical coverage from any covered vehicle involved in the accident. PIP will generally cover up to $10,000 of your medical costs.
- MedPay. Medical Payment Insurance Coverage, or MedPay, is an optional benefit that helps cover Florida car accident costs. MedPay covers the co-pay that your PIP requires, which can be an additional one or two thousand dollars. Depending on the coverage you've selected, you may be able to use MedPay for costs that PIP insurance doesn't reimburse.
- Health insurance. If your medical bills exceed the amount paid for through your auto insurance, you can submit claims to your personal health insurance providers. Your health insurance carrier usually wants you to exhaust as much as you can through your car insurance before accessing health care benefits.
- Medicare and Medicaid. If you rely on federal programs such as Medicare or Medicaid, these programs will pay for your medical bills related to a car accident. However, you may be asked for reimbursement for some or all of these costs.
- Workers’ compensation. If your car accident happened while you were performing job-related duties, your employer’s workers’ compensation coverage is required to pay all of your medical bills, including deductibles, co-pays, and transportation expenses incurred while going to and from your doctors’ appointments.
- Injury lawsuit. If your medical costs far exceed the amount of your insurance coverage, you may consider suing the at-fault driver. You still have to pay your bills as your case is being decided, but the settlement you receive should but calculated carefully to include any fees or financial hardship you have endured while waiting for the resolution of your case.
Our attorneys can help determine the best way for you to get medical coverage after your injury. Contact us today for a prompt response from a member of our legal team.