Accidents and Medical Bills
Getting in an accident can be very difficult due to the trauma and the injuries that are likely to occur. In addition to that, you have to be concerned about the medical bills that are incurred for treatment after the accident. The question most clients ask is who is responsible for the medical bills.
For Auto Accidents, your auto insurance will cover your medical bills up to the insurance limit you have purchased. This is because Florida is a no-fault state. This means that regardless of who caused the accident, your Personal Injury Protection will cover your medical bills up to the insurance limits you have purchased. If your bills exceed the amount of the Personal Injury Protection, your health insurance will kick in and cover the rest. If you do not have health insurance, you will be responsible for the outstanding balance.
In “Slip and Fall” accidents, you will be responsible for your own medical bills unless the defendant who caused the accident has what is called “med pay”. In that case, your medical bills will be covered up to the “med pay” limits. In “Slip and Fall” accidents, you may also use your health insurance to receive treatment. If you have no health insurance, you will be responsible for your own medical bills.
Once you have terminated your treatment, you are entitled to make a claim against the defendant’s insurance company to receive any out of pocket expenses paid to the medical providers. Remember, the defendant has to be the cause of the accident for you to make a claim against the defendant or the insurance company of the defendant.