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How Do Medical Bills Get Paid in A Florida Car Accident Case if I Have No Health Insurance?

Probably one of the most common questions and concerns that clients discuss on their first call to me involves the above question.  The client was injured in an accident, they feel pain and they are concerned as they have no form of health insurance and don’t know what to do.  First, in most car accidents in Florida, Personal Injury protection will apply to each person that is injured in an accident.  The law requires all owners of car to carry this insurance on their vehicle and that insurance generally to 1) that car owner; 2) any resident relatives of that car owner and 3) any passengers of that vehicle that does not own a car or live with a relative that owns a car.  Thus, the first assignment is to figure out what is the appropriate PIP insurance that applies to the client (Note:  there are some rare scenarios where there is no PIP for a client, like if they own a car and their insurance cancelled, if their relative’s insurance was cancelled; or 3) if they are in a vehicle that is not required to have PIP – taxi cabs, municipal buses, etc.  PIP insurance generally pays 80 percent of medical bills, up to $10,000.  The 20 percent balances and any amounts that go over and above the $10,000 would be the client’s responsibility, unless there is an at fault vehicle to sue or make a claim against. Thus, while some clients think there is NO insurance following an accident to pay for medical bills in fact in most cases the PIP insurance will pay for medical bills stemming from an accident in Florida.

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