Question:
SOMEONE TOLD ME THAT MY OWN INSURANCE COMPANY IS RESPONSIBLE FOR MY MEDICAL BILLS FROM A CAR ACCIDENT, EVEN IF THE OTHER DRIVER WAS AT FAULT. IS THIS TRUE?
Answer by Attorney Keith Taylor:
Under Florida Law, every vehicle is required to maintain certain minimum insurance. This minimum insurances is often referred to as “No-Fault” insurance. “No-Fault” comes from the law in place, which requires each vehicle to have at least Personal Injury Protection (PIP) and Property Damage (PD) insurances. PIP coverage provides for the payment of 60% of lost wages and 80% of reasonable and necessary medical expenses. PIP insurance is considered ‘primary’ insurance for medical treatment for injuries related to an automobile accident. So, essentially, that is correct; Your auto insurer will pay for your medical bills (assuming you have the Florida required coverage) after any deductible you may have chosen, and up to the amount of your coverage, which can be no less than $10,000.00. Remember, however, that under PIP, only 80% of the bills are covered, so you may have to resort to other insurance (Medicare, Health Insurance, etc...) or even into your own pocket. Certain additional rights exist if you have a Permanent Injury, and you should consult a qualified attorney to discuss those rights.
