Medical Bills After a Crash and When PIP Isn’t Enough
Car accidents can leave victims with painful injuries and a growing stack of medical bills. In Florida, Personal Injury Protection (PIP) insurance is designed to help cover immediate medical expenses and lost wages, regardless of who was at fault. Yet many FL crash victims discover that PIP coverage isn’t enough, especially when serious injuries are involved.
A Port St. Lucie Personal Injury Lawyer has the knowledge you need following an accident injury. They can inform you of what you need to know about managing medical bills after a crash and what options are available when PIP runs out.
What Does PIP Cover in Florida?
Under Florida’s no-fault insurance system, every driver is required to carry a minimum of $10,000 in PIP coverage. However, it is important to note that PIP benefits are capped at $2,500 unless you see a doctor who states that you have an emergency medical condition (EMC). Once this threshold is met, PIP benefits increase to $10,000.
This insurance typically pays:
- 80% of necessary medical expenses
- 60% of lost wages
- A $5,000 death benefit in the event of a fatality
While this is helpful, the reality is that $10,000 doesn’t go far when you’re dealing with hospital visits, diagnostic testing, physical therapy, and possible surgery. Many crash-related injuries (such as fractures, spinal trauma, or head injuries) can result in bills that far exceed this limit.
When PIP coverage is exhausted, injured individuals must look elsewhere to cover their remaining medical costs. The next steps often include assessing your private health insurance. This may cover the remaining medical bills once your PIP benefits are maxed out. That said, you may still be responsible for deductibles, co-pays, and uncovered treatments. Be aware that your health insurance provider may seek reimbursement if you later receive compensation from a personal injury lawsuit, too.
In other situations, a Florida driver may carry optional MedPay coverage, which can help fill the gap left by PIP. This insurance pays for medical expenses beyond PIP limits, and unlike health insurance, it often doesn’t require copays or deductibles.
Or, if another driver caused the accident and your injuries meet the injury threshold under Florida law, you may have the right to file a personal injury claim. A successful lawsuit can help you recover compensation for unpaid medical bills, future medical expenses, emotional distress, and lost earning capacity. To pursue this path, it’s important to have strong evidence proving the other party’s fault.
What Is the First Step I Should Take Toward Recovery?
Navigating the complex world of insurance claims, medical billing, and legal deadlines is not always simple. Often it is overwhelming for injured parties, especially when they’re trying to heal. An experienced Port St. Lucie Personal Injury Lawyer can review your case, help you understand your options, and build a strategy to connect you with a full and fair settlement.
Talk to legal experts to make sure your rights are protected and your financial future is secure. Professionals are available to help you explore every recovery path.
Was an amount offered by your PIP coverage inadequate? After sustaining an injury in Port St. Lucie, Fort Pierce, Stuart, or Vero Beach, have a conversation with the attorneys at Leifer & Ramirez. Reach out today, call 561-660-9421.
