Medical Bills: Who Pays?
The title begs the question of who is responsible for causing your medical bills. Finding responsible parties is the key factor in determining the answer to the question of who pays your medical bills. Florida law allows you to get compensated for medical bills along with pain and suffering due to someone’s negligence. A careful investigation of the FACTS of your case by one of our attorneys determines responsible parties and begins the process of obtaining just compensation for you and your family.
Part of our investigation to getting your medical bills payed is reviewing available insurance policies. There are 4 options in getting your medical bills paid with insurance coverages after an vehicle accident: PIP, Med-Pay, BI, UM, or health insurance.
Your Personal Injury Protection (PIP) insurance is the primary medical insurance available after a vehicle accident. PIP pays for any medical expenses you incur up to coverage limits. PIP is mandatory in all insurance policies sold in Florida. Click to learn more about PIP.
Your Med-Pay is your second choice in paying medical bills above and beyond the coverage provided by your PIP insurance. Unlike PIP, any moneys paid by your med-pay insurance have a lien on any recoveries you make under BI or UM coverages. In other words, med-pay pays $1 you must pay it back should you get compensation under Bodily Injury or UM insurance provisions.
The At Fault party’s Bodily Injury insurance is your 3rd choice to cover past and future medical bills, pain and suffering and more.
Your 4th option for medical bills is Uninsured Motorist / Under-insured Motorist insurance. If after using all your PIP, med-pay and BI benefits then YOUR UM coverage pays for past and future medicals bills not payed by PIP, Med-Pay or BI insurance. UM is also used when the At Fault party has no bodily insurance coverage for your injuries. This provision in your insurance contract allows you to recover monies from the At Fault party when you would have otherwise file a law suit on your own.
Finally, if none of the above vehicle coverages are available or they are exhausted then your final option is health insurance.
Ask a Lawyer
If you were involved in an accident, suffered injuries and are not sure what benefits or legal options are available to you to pay your medical bills then contact our attorney at AskMyAttorneys at 954-961-5100 in Broward or 877-961-5100 any where in Florida.