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 is the medical payment (Med Pay) coverage part of your auto insurance policy?

Medical payments coverage (MedPay) is a portion of your automobile insurance policy, which if you opt to purchase it, pays 100% of your medical bills up to the limit you selected. For example, if you select $2,000 in medical payments coverage, it would pay $2,000 of your medical bills. This is important because Personal Injury … Read more

How Hit and Run Car Accidents Work in Personal Injury Cases

You’re making a left turn when suddenly a truck hits your front bumper, flies past, and disappears down the road. Florida ranks third in the nation for hit and run accidents, averaging 3,300 accidents annually. What can you do if you are one of the victims? First, call the police to the scene immediately, and … Read more

How to Pay Your Bills When You Miss Work Due to an Auto Accident

After being in an auto accident, you may wonder how you will pay all of your bills when you have to miss work due to the injuries and the doctor’s visits. Fortunately, you live in Florida, a no-fault state. Here’s why you are so lucky. In Florida, and eleven other no fault states, up to … Read more

Florida’s New Personal Injury Protection (PIP) Law Takes Effect January 2013

Florida’s new PIP Law takes effect January 1, 2013.  The Florida Legislature has enacted a new PIP Statute which severely limits your rights to obtain your benefits under your PIP insurance.  Additionally, it gives insurance companies numerous ways out for not lowering their rates.  Thus, in effect, this is a huge boom for the insurance … Read more