Medical Bills and
Health Insurance
Several million drivers are on the roads of Florida and Orlando County every day. At the same time, hundreds of traffic incident reports are written every day, involving people who are injured or killed. There is a general rule throughout Florida that if an accident, including those involving medical bills, exceeds $500, it must be reported to the sheriff and the county Department of Transportation. The same is true in Orlando. Generally, if a police officer arrives at the scene of an crash and sees that the amount of damage is greater than $500, a report is made at the scene and all data is transferred to an electronic database. The amount of damages is based on preliminary testimony and the results of the investigation; then experts calculate a more exact amount.
Payment of Medical Expenses After a Florida Car Accident
No-fault coverage is available in Florida and also includes medical bills and health insurance. PIP, or Personal Injury Protection, or accident insurance, is a system that pays for medical expenses first. Under state law, medical expenses will be covered up to 80% of the amount of medical bills, though no greater than $10,000. To receive the full amount of insurance, the injured person must have an emergency medical condition (EMC). If there is no EMC, the injured person may receive no greater than $2,500 for any injury or illness that meets “accident” standards. If a person is killed in an crash, the relatives receive the amount of $5,000 to cover funeral expenses.
Bodily Injury Liability Coverage (BIL)
Florida law provides the following coverage for Bodily Injury Liability Coverage (BIL) related to medical treatment and rehabilitation.
- Bodily Injury Coverage. For one person, the amount is $10,000; if there is an incident, the amount is $20,000.
- Insurance on the fact of property damage – $10,000 (accident).
- Mandatory personal injury protection – $10,000.
- For an uninsured motorist, $10,000 per person, and $20,000 if an incident is determined.
The minimum requirements are mandatory for all Orlando drivers.
These amounts are mandatory for available medical bills if they cover the specified medical expenses of the injured participant in the motor vehicle accident.
Who Pays My Medical Bills in a Car Wreck?
Payment of medical expenses after a Florida car crash is based on available PIP insurance coverage. These are the minimum requirements for all insured people who plan to use the state’s highways. If you are found to be at fault for the incident, the medical bills will be paid from your insurance at the minimum amount. If the other party to the accident is at fault, Orlando medical payments coverage will be taken from their insurance. In this situation, an examination will determine the modified degree of fault of each person involved in the car crash.
Who Pays Your Medical Bills When the At-Fault Driver Has No Insurance?
In some cases, the driver has no insurance, but you have been injured in an incident. There are several options for collecting Orlando health insurance costs:
- You pay your current medical bills from your insurance, after which the amount of damages will be recovered through a court order from the person responsible for the car crash.
- Medical payments coverage in Orlando can be paid by the family members of the person who caused the crash.
In some cases, payment may be made from a Florida special fund.
Who Pays When You Don't Have Car Insurance?
Because there are different types of insurance, paying for health insurance in Orlando is based on the specific situation.
Health insurance is mandatory for all Orlando residents. If an accident occurs but you don’t have auto insurance, all costs will be paid from your current health insurance.
If you caused an injury to another person and do not have the appropriate insurance, compensation may be paid based on your next of kin’s insurance documents.
Important to note: You will be subject to various additional penalties (including financial penalties and criminal liability) if you cause an incident and do not have PIP insurance. In addition, uninsured motorists must have minimum UM insurance.
Who Pays When You Have Exceeded Auto Insurance Coverage Limits?
Generally, state limits are set between $10,000 and $20,000, according to the PIP. In other cases, the limits are adjusted by the additional insurance available to the at-fault or injured party in the accident. If you exceed the limits on compensation, compensation payments may be paid from Medpay BI type insurance provided in Florida.
Schedule a Free Consultation
Florida’s medical system is complex. Most cases of force majeure are handled through insurance. Medical organizations are required to provide “emergency medical care” of up to $2500 to anyone injured in an incident. In other cases, the hospital will bill government services or insurance companies.
An important requirement for anyone involved in a car crash is to see a doctor within 14 days of the incident, even if the participant has not noticed any health complications after the accident. Otherwise, even with insurance, it will be difficult to receive compensation payments in the event of future complications. In addition, you must file a claim within four years of the incident.
Our attorneys will offer a free first legal consultation on your medical bills after a car accident. Contact our lawyers for help, submit your case, and get a free consultation about your situation.
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Contacts
THE NUNEZ LAW FIRM ORLANDO LOCATION
(407) 264-8773
TheNunezLawFirm@gmail.comWe are open Monday-Friday 9am-5pm.