After a car accident, many people are left wondering how their medical bills will get covered. It is important to know that Florida is a no-fault state. No-fault insurance means that if you’re injured in a car accident, your own car insurance will pay some or all of your medical bills and lost earnings, regardless of who was at fault for the crash.
A no-fault claim is made through the “personal injury protection” or “PIP” provisions of a car insurance policy (this kind of coverage is mandatory in no-fault states such as Florida.) After your accident, you need to open a medical claim with your own car insurance in which you will have a separate claim number to use with your medical doctors.
Insurance policies sold in Florida are required to provide Personal Injury Protection Coverage (PIP). Your car insurance will cover 80% of your medical treatment up to your personal injury limit (which is $2,500 and up to $10,000.00 for an emergency medical condition). These limits are for your medical claims regardless if it was you or the other driver who caused the accident. After your medical bills exceed the state’s “no-fault” limit of up to 10,000 you are responsible for paying them. If you have health insurance, your health insurer will pay your medical bills. If you do not have health insurance or Medicare, then you are responsible for working out payment arrangements with your health care providers.
It’s important to note that if your medical bills exceed a certain amount (or your injuries qualify as sufficiently serious) you’ll be able to step outside the no-fault system and file a traditional liability claim against the at-fault driver, this process takes longer to resolve and requires assistance from a personal injury attorney.
After your accident, make sure to notify your insurance company right away so that you can receive your personal injury benefits. Florida PIP law requires that your medical condition is evaluated by a chiropractic physician or medical doctor within 14 days of your accident. If no treatment is sought within 14 days, your carrier may not provide coverage.
Our Chiropractor at Health In Motion Chiropractic works with many personal injury attorneys in the area to make sure that you get your treatment covered for a full recovery. Some injuries may leave lasting disabilities and the attorneys that we work with will make sure you receive a settlement to cover any withstanding treatment that may be needed. By working with an attorney, the 20% that the patient is responsible for with their car insurance can be covered in the settlement of the accident case.
At Health in Motion Chiropractic, we work with a team of professionals to make sure every aspect of your accident is dealt with in the most efficient manner. We want to make sure you are able to have a full recovery and also are compensated for any permanent injuries. Do not hesitate to reach out if you have any questions regarding your accident
Contact our team Health In Motion Chiropractic at (386) 320-0325 we’re your number one car accident chiropractor in Debary. We make sure to provide the best treatments even around s our patient’s busy schedules.
Call us today at (386)-320-0325 for relief of your whiplash symptoms or for assistance in reaching optimal health.