Does Health Insurance Cover Car Accidents In Florida: If you met with an car accident in Florida you might be thinking whether you will get health insurance or not. In this article we will explore the all aspects and criteria involved for covering medical expenses if you accidentally meet with car accident in Florida.
Every year thousands of Floridan’s met with car accidents in Sunshine State. The drivers are mainly dependent on medical insurance policies to cover their medical expenses. Therefore, it is very important to recover the compensation of you medical losses.
understanding medical coverage provided and does health insurance cover car accidents in florida or not:
Before taking health insurance you must consider all the details and all the necessary information including co-payments, deductibles and all the associated expenses to ease the claim process.
Florida’s car insurance laws
All drivers in Florida need to take auto insurance as it is prone to many car accidents over a year as reports says 394,000 in people met with car accident in the year 2023. In this law it does not matter who caused the car accident , all drivers need to carry an auto insurance so as to cover medical bills, property damage and other losses.
In states by default auto laws are recognized and compensation is paid by driver’s insurance company covering the losses and other motorists involved in accident.
no fault insurance system and does health insurance cover car accidents in florida-
Yes, health insurance covers car accidents in Florida and under No Fault Insurance System, drivers carry a Personal Injury Protection [PIP] and Property Damage Liability [PDL] automobile insurance.
- PIP covers the medical losses of driver’s medical coverage.
- PDL covers the damage caused to another person’s property.
At the time of buying insurance driver’s need to show the proof of PIP and PDL insurance to save themselves from properties and fines.
Importance of florida’s pIP insurance coverage-
The amount of PIP insurance coverage is based on injuries and expenses involved during an accident. Under PIP insurance it will cover the following:
- 80% of the medical expenses resulted from the crash up to $10,000 PIP limit per insured person that includes medical bills, ambulance rides, medical services , hospital bills, doctor’s visit etc.
- 60% of lost wages and services up to $10,000 PIP limit per insured individual. If you are unable to move and walk after the accident, this insurance will also provide cleaning and child care services.
- $5000 death benefit given to every individual insured by the policy. This death limit does not count toward the $10,000 PIP limit.
connection between car accident and health insurance in florida:
Health insurance is a very significant factor when you met with car accident as it helps you to recover all the losses and expenses.
Importance of health insurance in car accidents-
Health insurance covers your medical expenses including hospitalization, surgeries, medications, rehabiliation and other necessary charges. It overall provides you financial protection and helps to bear unexpected healthcare losses.
health insurance vs auto insurance
When it comes to car accidents in Florida it is crucial to understand how health insurance and auto insurance function together. Florida’s no fault insurance system focuses on [PIP] personal injury protection coverage. On the other hand, auto insurance covers initial medical expenses related to a car accident up to the limits of PIP coverage.
However, when your PIP is exhausted then health insurance covers your additional costs.
steps to file a health insurance claim
The insurance claim is dependent on the severity of the car accident when you seek compensation for your injuries. Following mentioned points will illustrate how to file a claim to cover your medical expenses:
file a claim with your [pIP] insurance
After car accident you will have to immediately notify tour auto insurance company to initiate the claim process. Under Florida law suite $627,736, claimants have a time period of 14 days to bring forward a claim otherwise they can lose out their PIP benefits.
file a health insurance claim
If your PIP benefit is exhausted you can file a claim with your health insurance. You must contact your health insurance company to begin the claim process. They will approve and communicate to enquire about whether your PIP coverage is exhausted or not , then they will kick into health insurance.
worker’s compensation
If your car accident occurs while you are working in an organization your employer’s compensation coverage will bear all medical expenses.
take a legal action
If accident has caused intentionally and if you have suffered from severe and permanent injury. You may seek an additional compensation via a personal injury law suite.
conclusion
So, we saw in this article that car accidents that happen in Florida are covered by health insurance and all the expenses are borne by Florida’s law suite PIP and PDL coverage insurance and when these two are exhausted then health insurance organization takes responsibility to pay for all medical and hospital expenses. You must consider all the important aspects before taking the health insurance including co-payments, deductibles and all other associated expenses.
