How Medical Bills Are Paid After an Accident

Orlando Personal Injury Lawyer

Anyone who has been involved in a car accident should immediately seek medical attention, no matter what. Many symptoms don’t affect a victim until a few days after an auto accident happens. A medical professional will make sure that there are no lasting damages. Of course, treatment after a car accident is expensive.

Injured individuals are transported to the hospital via ambulance after a severe accident. This is just the first bill. Many additional financial responsibilities may arise afterward, depending on the severity of injuries. At that point, an individual must contact legal help.

When a person is involved in an accident, they are entitled to receive compensation to cover their medical treatments and any other damages.

No-Fault Insurance

Orlando, like the rest of Florida, has mandatory personal injury protection (PIP) or no-fault insurance, which can cover the costs of initial medical bills after an accident. PIP is in place for everyone, even those who are responsible for the car accident.

However, PIP doesn’t pay all medical bills. There’s a limit to the amount covered. PIP may pay up to $10,000 for a person’s medical bills if the injury is serious. It also covers a person’s lost wages up to that same amount. Families may receive up to $5,000 in death benefits if the individual involved in a car accident passes away.

Facts about PIP Insurance

In general, PIP pays about 80 percent towards a person’s medical bills if the individual has been injured in a car accident. PIP covers expenses such as:

  • Medical treatment
  • Scans and X-rays
  • Surgery and dental repairs
  • Rehabilitative services
  • Hospital stays
  • Nursing care
  • Ambulatory services

The injured individual must see a doctor immediately after being involved in a car accident. PIP benefits should kick in within 14 days after a crash.

Personal Injury Claim Settlement 

It’s important not to settle too quickly with the insurance company. If you accept a settlement before you know the full cost of your medical care and rehabilitation, you will not be able to seek additional money later, should you need it. It’s best to wait until you’ve reached “maximum medical recovery” before you accept a settlement agreement.

If the insurance company refuses to offer you a reasonable settlement agreement, we can take your case to court to ensure you get what you deserve.

How A Personal Injury Attorney Can Help

If you have private or work-sponsored health insurance, that insurance policy can pay your expenses until you have reached the limit of that policy.

If you do not have health insurance, we can negotiate with care providers so that collections action will not be taken during negotiations with the insurance company or a personal injury lawsuit.

When you do receive payment — as a lump sum, structured settlement, or jury verdict — your health care providers then receive payment of their bills. Your private health insurer may also seek repayment for distributed for your care.

Dedicated Personal Injury Lawyers in Orlando

Each of our personal injury attorneys has years of experience handling injury cases. Our staff is well versed in dealing with insurance companies, as well as hospitals and medical billing offices. In everything we do, we work to protect your financial interests and your family’s well-being.

Before you agree to any financial settlement, contact a personal injury lawyer at the Umansky Law Firm. We can help you with a plan to pay your medical bills and will protect your interests in negotiation or court. We represent clients in communities throughout Orange, Seminole, Osceola, Brevard, Lake, Polk, and Hillsborough counties in central Florida.

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