What is Medical Payments Coverage?
Today, most personal injury litigation arising from car accidents turns on which driver’s actions were the cause of the accident. A motor vehicle crash can happen at any time and can lead to serious injuries when a driver is careless or negligent behind the wheel. As such, motor vehicle accidents are a major safety issue in South Florida. Any driver who spends time driving around South Florida will likely agree that there are far too many car accidents in south Florida. There are many different things that can cause accidents. If you have been injured because of another driver’s carelessness or negligence, you may be able to obtain compensation for your injuries. Compensation may include the following: hospital bills, medical bills, lost wages, or loss of the ability to earn money in the future, pain, suffering and loss of enjoyment of life, etc. In this blog post, I am going to explain medical payments coverage works in Florida.
Medical Payments Coverage
Medical payments coverage is a type of insurance that is sometimes included on homeowner policies, motor vehicle policies, and some small commercial policies. It is important to determine early on after an accident if this resource exists since there are typically very limited periods to file insurance claims and to submit various bills and receipts. With this type of insurance coverage, it pays irrespective of whether someone is at fault. Medical payments coverage is also sometimes available on an automobile insurance policy. It is a benefit paid in addition to personal injury protection. Medical payments coverage can pay deductibles and copayments. If your personal injury benefits are exhausted, then you can use your medical payments coverage to receive medical care and notify the insurance company that you wish to reserve some of the personal injury protection benefits for wage loss benefits. It is important that you have considered medical payments coverage early in a case; otherwise, medical providers could use up your personal injury protection benefits and leave you without any funds to cover your personal bills while you are medically recovering. Medical payments coverage and your personal injury protection are resources with finite amounts of coverage, so it is important that you are paying attention to what you are spending your resources on at the doctor’s office. One of the unique differences between personal injury protection coverage and medical payments for motor vehicle incidents in Florida is that personal injury protection benefits do not need to be repaid if you obtain a settlement from an at-fault driver or from your uninsured motorist benefits. However, medical payments benefit that are used in a motor vehicle incident may have to be paid back. This becomes particularly important if the treatment you received was not something that the at-fault insurance company necessarily deems related to the injury.
Call a Car Accident Attorney Miami Today!
Car accidents are tremendously common in the state of Florida. If you or someone you love were hurt in a car accident, it is wise to contact a car accident attorney so that you can get information on how to make a claim against the at-fault party’s insurance company or file a lawsuit against said party if necessary. The damages that can be recovered in a car accident claim or lawsuit are meant to take care of the many expenses you may be faced with after an accident. Car accident injuries can be severe and for many victims, medical treatment can add up to thousands of dollars. Meeting with a car accident lawyer can facilitate the claims process. At Suarez and Montero, our policy is that if you don’t recover, we won’t charge you a dime. Not to mention, we also provide free slip and fall accident consultations where we evaluate the facts of your case and provide you with an overview of potential courses of action you may take. Our lawyers can provide you with efficiency, experience, vital information, and can help obtain the compensation you need to recover from your injury. We are available 24/7 to give you a free, no risk case consultation.
We serve clients throughout Florida including those in the following areas:
Miami-Dade: Aventura, Coral Gables, Doral, Fontainebleau, Hialeah, Homestead, Kendall, Miami, Miami Beach, Miami Lakes, North Miami, Tamiami, and Westchester.
Broward: Fort Lauderdale, Hallandale Beach, Hollywood, Pembroke Pines, and Weston; and Palm Beach County including Boca Raton, Lake Worth, and West Palm Beach.
