After an automobile accident, there is a lot that must be taken care of. Initially, you must provide information for the police report and obtain witness statements if they are available. Then, there is the towing of the car, waiting for repairs, and possibly a car rental. Finally, there is the matter of medical care due to injuries incurred during the accident. The state of Florida requires all insured drivers to carry $10,000 of Personal Injury Protection (PIP). This provision is meant to cover 80% of any medical bills directly related to injuries you may receive in an auto accident. But what happens to the other 20%? Many people wonder who is responsible for paying the remaining 20% of their medical care. Unfortunately, the answer to this is not always cut and dry. Frankly, it can be quite confusing.
A car accident can leave you bewildered enough as it is without having to worry about paying for costly medical bills. Because of the accident, you may be hurt or out of work. However, there is one insurance that can be very beneficial in these situations, and it is one that few people even know about. The insurance we are talking about is an elective provision called MedPay. MedPay or Medical Payment Coverage could entitle you to full payment of your medical bills. Consumers that are already aware of this provision know that MedPay supplements your PIP coverage to ensure 100% payment of your medical bills up to a certain coverage limit.
Insurance policies can be hard to read. Even though you were the one that purchased the policy, it often seems that automobile insurance policies are written in such a way that they conceal important information, such as available coverage and limits, from the consumer. If you are unable to determine if you have MedPay in your policy or whether or not you even need MedPay, it is time for you to seek out legal consultation. Reach out to our experienced lawyers at Boca Law, toll-free at 855-262-2529. We are always happy to advise you on matters concerning your policy as well as explain your limits of coverage. Call now and don’t remain in the dark about your insurance coverage.
