As those that have been in an auto-accident can attest, when you are injured, it can have a significant impact on your household and can put you in a position of financial hardship. Depending on how extensive your medical condition is, sometimes there is no way to determine how long it will be until you are fully back on your feet. Very few people are financially prepared for the medical costs of an ambulance ride, ER visit, X-rays, and follow-up appointment expenses that can add up to thousands of dollars. When an injury is the result of an accident, who is responsible? Who pays for the unexpected bills? These are the first questions you may ask. Additionally, you may wonder who you can turn to for help when you need to understand the laws concerning Florida personal injury protection.
If you qualify for Personal Injury Protection (PIP), your PIP insurance covers 80% of any medical debts related to injuries you sustain in an automobile accident up to $10,000. Your medical providers submit bills to the PIP carrier, which is typically your insurance company, and the carrier covers 80% of the balance on your invoices. It is important to note that once you reach the $10,000 benefit cap, your PIP coverage is then considered “exhausted.” However, don’t be dismayed because this does not mean that you will not be able to seek additional treatment, just that you must pay for it in another way.
With PIP covering 80% of your bills, who pays the remainder? That remaining 20% is “out-of-pocket expenses,” which are your responsibility. You can submit a claim for these charges against the at-fault party as damages, or other forms of coverage such as health insurance, medical payments from auto coverage, Medicare, or Medicaid can pay for them.
If you are looking for additional information about your legal options, call BOCA Law toll-free at 855-262-2529 and allow our legal experts to assist you with your claim and medical decisions. Don’t let improper handling of your medical bills hurt your credit, take the time to call today for legal advice. We can help you manage the processing and payment of your medical bills and ensure that payment comes from the party responsible.
