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Getting your medical bills covered after an auto accident

After an auto accident, you may be able to file a successful personal injury claim. However, you may have medical bills that can pile up before you reach a settlement.

To avoid such instances, there are medical options that you may consider. Especially in the state of Florida, there are specific plans that assist with paying your medical bills.

Health care

Individuals with health care may look to their policies to pay a portion of their medical bills. It is important that injured parties fully understand the stipulations and requirements for their plan. Particularly, policyholders should know what their deductibles and copayment amounts are. These two elements determine how much of the medical bills the insurer will cover. Also, certain stipulations of the insurer, such as the filing process, may affect coverage eligibility.

PIP

Personal Injury Protection is a requirement for all Floridian drivers. With this coverage, individuals are able to file "no-fault" injury claims and receive up to $10,000 to cover lost wages and medical bills in lieu of receiving the funds through filing a claim in court. However, it is important to realize that this coverage makes them responsible for their injuries, regardless of fault for the accident. In addition, considering that it is still health care, individuals should be aware of any deductibles, copays, and payment caps associated with their PIP plan.

MedPay

Medical Payments Coverage is an optional form of insurance that individuals may use to subsidize PIP coverage. MedPay covers the deductible for a PIP and pays out additional funds for medical bills and lost wages. This coverage is also a "no-fault" plan; therefore, it pays out no matter who is at fault. In cases where both drivers have this additional insurance, the at-fault party's insurer may have to pay out first for the injured party.

By understanding these forms of coverage, individuals may make the best decision for themselves when it comes to personal injury claims. Take some time to review your coverage and consider discussing any questions with your insurer or a knowledgeable individual.

 

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