Why do most people choose not to use their health insurance to pay medical bills after PIP and MedPay has been exhausted?

If you choose to pay your medical bills from your health insurance benefits, after PIP and Med Pay have been exhausted, any applicable deductible must be satisfied first. Depending on the deductible on your health insurance policy, you could be responsible normally for $2,000- $5,000 up front, in addition to any copays every time you … Read more

What Happens When the Other Driver Doesn’t Have Insurance?

You get hit, and either the other driver speeds away, or the driver tells you that he or she doesn’t have insurance (or not enough insurance). What do you do? According to the Insurance Research Council, in 2009, 24% of Florida residents were uninsured – one of the highest percentages in the nation. Even though … Read more

How PIP Works in Your Florida Auto Accident

Personal Injury Protection is insurance that covers medical expenses for you and your passengers, regardless of who is at fault for the accident. That’s the short explanation. Here’s the breakdown of how it works: Your PIP only covers up to 80% of medical bills up to $10,000 and up to 60% of lost wages up … Read more

What Role Does My Doctor Play in My Auto Accident Case?

The doctor you see after you are injured in an auto accident has two responsibilities: 1)    To help you recover as much as possible. 2)    To gather documentation of your injury. You should see a doctor as soon after your accident as possible, even if you aren’t “that hurt.” It often takes up to a … Read more