How to Get Your Medical Bills Paid After a Car Accident in Florida

Medical Bills Paid Car Accident FloridaIf you are in a car accident in Florida, you may be asking yourself, “How do I get my medical bills paid?”

Let’s assume that you have at least “full coverage,” which is a vague and misleading misused term. Many Florida car insurance agents or car owners use “full coverage” when describing car insurance.

When I hear people say “full coverage,” they are usually referring to car insurance that is required in Florida,which is Personal Injury Protection (PIP) insurance and $10,000 in property damage/physical damage (PD) auto insurance.  # 1 (below) of this article does not apply if:

  • if you owned a car and did not have car insurance at the time of an accident involving a car; or
  • you did not own a car, you did not live with a resident relative that had Personal Injury Protection (PIP) insurance and you were not a pedestrian, bicyclist, or driving a scooter or moped at the time of your accident; or

If you have “full coverage” and want your medical bills paid, you should understand the following:

1. Your own car insurance

If you were injured in a car accident and you have “full coverage,” your car insurance policy will pay for 80% of the first $10,000 of your medical bills if you receive treatment within 14 days after the motor vehicle accident and you are diagnosed with an emergency medical condition.

This is regardless of whether you have comparative fault. The PIP (Personal Injury Protection) coverage of your car insurance policy pays this amount.

Even if  you were at fault (or received a ticket for a moving violation) for causing the auto accident, your PIP insurance will still pay your medical bills.  If you have medical payments (med-pay) coverage under your car insurance policy, it will pay the 20% that PIP does not pay even if you caused the accident.

If you do not have medical payments coverage, which is not required by law, you should use your health insurance to pay the rest of the bill. I have had many clients who did not give the hospital and/or doctor both their car AND health insurance at the time of their medical visit.

Sometimes by the time their health insurance receives the bill, the health insurance company may say that the bill was not submitted within the time frame allowed by the health insurance contract. If that happens, the patient my be stuck owing the bill.

If you are not diagnosed with an emergency medical condition, your PIP insurance will pay up to $2,500 of your medical bills.  If you wait more than 14 days to see a doctor, your PIP insurance will not pay any of your medical bills. The formula to determine how much you will owe the hospital or doctor after your PIP insurance pays your bills is:

  •  80% x total bill – your PIP deductible.

I have given a few examples to help you better understand:

Example #1: $5,000 bill and you are not at fault

You were driving a car or were a passenger in a car involved in a car accident, and the other driver received a ticket for careless driving.  Your hospital bill is in the amount of $5,000.00. Let’s assume that you have auto insurance with State Farm. If the hospital states that you have an emergency medical condition, your car insurance will pay the hospital is $4,000 (80% of $5,000).  You would then owe the hospital $1,000. The formula is: 80% x total bill – your PIP deductible.

You can still make a claim against the at fault driver’s bodily injury insurance for the outstanding medical bills of $1,000 in addition to pain and suffering.  If the hospital does not state that you have a “emergency medical condition”, your car insurance will only pay the hospital $2,500 and you would owe the hospital $2,500.

Example #2: ($12,500 hospital or doctor bill)

You were driving a car or were a passenger in a car involved in a car accident, and the other driver received a ticket for careless driving.  Your hospital bill is in the amount of $12,500.00. If the hospital states that you have an emergency medical condition, your car insurance will pay the hospital $10,000 (80% of $12,500).

You would then owe the hospital $2,500. If you want to make a claim for lost wages from your car insurance policy, your auto insurance company will not pay you anything because your PIP insurance is exhausted. You can make a claim against the at fault driver’s bodily injury insurance for the outstanding medical bills of $2,500 in addition to lost wages and pain and suffering.

If the hospital does not state that you have a “emergency medical condition”, your car insurance will only pay the hospital $2,500.  You would then owe the hospital $10,000. You can make a claim against the at fault driver’s bodily injury insurance for the outstanding medical bills $10,000 in addition to lost wages and pain and suffering.

Example #3 – PIP Deductible and $5,000 bill :

You were driving a car or were a passenger in a car involved in a car accident, and the other driver received a ticket for careless driving.  Your hospital bill is in the amount of $5,000.00. Your PIP deductible is $1,000. If the hospital states that you have an emergency medical condition, your car insurance will pay the hospital $3,000 (80% of $5,000 -$1,000).

The formula is: 80% x total bill – your PIP deductible.  You can make a claim against the at fault driver’s bodily injury insurance for the outstanding medical bills of $2,500 in addition to lost wages and pain and suffering. If the hospital does not state that you have a “emergency medical condition”, your car insurance will only pay the hospital $2,500.

Example #4 – PIP Deductible and $2,500 bill:

You were driving a car or were a passenger in a car involved in a car accident, and the other driver received a ticket for careless driving.  Your hospital bill is in the amount of $2,500.00. Your PIP deductible is $1,000. If the hospital states that you have an emergency medical condition, your car insurance will pay the hospital $1,000 (80% of $2,500 -$1,000).

The formula is: 80% x total bill – your PIP deductible.  If the hospital does not state that you have a “emergency medical condition”, your car insurance will pay the same amount because it is less than $2,500 which is the limit if you do not have an emergency medical condition.

After your car insurance has paid $10,000 in PIP benefits, your auto insurance company does not have to pay for your medical bills under the PIP portion of your policy.

When you go the hospital or see a doctor, you should give your car insurance card to the medical provider. If you have already set up a car claim with your car insurance company, you should provide the hospital or doctor with your claim number and the contact information for your insurance company. If you didn’t give the hospital your car insurance card at the time of your visit, you should call them immediately and provide them with your car insurance information.

You should also ask the hospital for the contact information for the Emergency Room doctors. You should call the ER doctors and give them your auto insurance information. If you had an x-ray, catscan (CT scan), or MRI scan taken, you should ask the hospital for the contact information for the radiologist (person who interprets x-rays, catscans, etc.) and give the radiologist’s office your car insurance information. This will help get your medical bills paid as fast as possible.

You should also give the hospital or doctor your health insurance (or Medicaid, Medicare, Tricare, VA insurance) if you have it. Your health insurance (or Medicaid, etc.) may pay for some of the medical bills that PIP doesn’t pay for.

2. At fault driver’s (or owner of the car) insurance

The driver or owner of the car that hit you is responsible for paying the 20% of your medical bills that your PIP car insurance doesn’t pay. If you want the at fault driver’s auto insurance to pay this 20% of your medical bills up to $10,000, you have to set up a claim with the insurance company of the driver (or owner) of the car or truck that caused the accident.

The bodily injury portion of the insurance policy of the at-fault car will pay for the 20% of medical bills (that your insurance doesn’t cover) only if their insured (driver or owner) was at fault.

If the driver (or owner) of the car or truck that caused your accident does not have bodily injury liability insurance, you can make a claim against your uninsured motorist car insurance if you purchased this insurance before your accident. Florida law does not require car owners to have uninsured motorist insurance.

I invite you to learn more about whether you may be able to get money for pain and suffering if you were injured in a car accident in Florida.

Were you in a car accident? Was it work-related? What are your injuries? How did the accident happen? Please ask me any questions below? Please share any helpful tips that you have.

- Ask your question below. It’s free! Be specific, but leave out any personally identifiable info.

- Get answers – I will post a public reply to your question —usually within 12 hours, and sometimes within 25 minutes or less.

- Rest assured – Your privacy is important to us. All questions are posted publicly but anonymously.

I handle cases throughout Florida. My office is in Miami. I am available to meet you in any city in Florida. So, if you were injured in a car accident or other type of incident in Miami, Fort Lauderdale, Hialeah, Homestead, Orlando, Tampa or any other city in Florida, I can help.

I can protect your rights and fight for the best settlement possible with the car insurance company or the responsible party.  Call me now at (888) 594-3577 and get a Free Consultation now! There are no fees or costs unless I recover money. You can call me 24 hours a day, 7 days a week.

I will not become your attorney by you leaving a comment. There is a time limit to file a lawsuit. All comments are posted anonymously but will be public.   I only can represent you if your injury happened in Florida or on a cruise ship; or if the injured person lives in Florida or a family member (in the case of a death) lives in Florida. This is because I am only licensed in Florida.

Comments

  1. i was wondering who would be in charge of paying my bill if i have back pain after a car accident?

    i was recently in a car accident i was going straight and the other car that was coming had a stop sign he said he did not notice it and his car hit the car i was driving and my body went forward and came back to hitting the chair i did not hit the steering wheel ever since that time i been having back problem

    the accident was on the 15th of January

    • Justin Ziegler, Injury Lawyer, Site Owner says:

      Hi Flow,

      Thanks for asking your question. I assume that your accident happened in Florida, which is where I am licensed to practice law. My answer only applies to an accident in Florida. I am not your attorney. This is not legal advice. There is a time limit to file a lawsuit. Before I give my response, I want to say that there are many, many exceptions to my answer. Florida car accident cases can be very complex.

      My answer assumes that you were not driving a taxi at the time of the accident.

      My answer also assumes that you were a resident of Florida at the time of the crash.

      If you owned a car at the time of the accident, then you should give your auto and health insurance to any medical providers that you treat with. Your PIP coverage in your auto insurance policy may pay your medical providers up to $10,000, and possibly more if you have extended PIP, for medical bills. If you have medical payments coverage on your auto policy, that may cover the percentage that PIP does not pay.

      If you did not own a car, then the PIP & Medpay coverage of a resident relative’s auto insurance policy may cover your medical bills. If you did not own a car or live with a resident relative at the time of the crash, then the PIP coverage of the vehicle that you were driving may pay for your medical bills.

      It sounds to me like that other driver was at fault for causing the accident. Did he receive a ticket for causing the accident? You should also make a claim against the bodily injury coverage, if he has any, of his auto insurance for your medical bills as well as other damages. His bodily injury coverage, if he has any, may pay for some of your medical bills as well if he was at fault.

      If the other driver was driving someone else’s car, was driving with a learner’s permit, working or performing an errand at the time of the accident, then the owner, employer, person who directed the errand, volunteering agency, person who signed for a learner’s permit, etc. may be responsible for paying your medical bills that PIP adoesn’t cover. There are also additional parties that could be responsible for your medical bills.

      I will not get into making a claim for pain and suffering and other damages that you may be entitled to because you have not asked about that.

      Have you received medical treatment? If so, what are your injuries?

      Call me now at (888) 594-3577 to Get a Free Consultation. There are No Fees or Costs Unless We Recover Money. We accept calls 365 days a year, 7 days a week, 24 hours a day. We also speak Spanish.

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