If you are injured in a
car crash, you can use both policies to pay for medical care, but your car insurance
will be primary. When you seek medical attention following a car accident,
your PIP coverage (Personal Injury Protection) will pay 80% of your medical
bills until it is exhausted; you are still responsible for the remaining
20%. Florida No-Fault benefits (PIP) cover up to $10,000 per person/per
accident regardless of who is at fault in the accident.
With new legislation in place regarding health coverage, most of us should
have some sort of health insurance plan by now. Here we provide you with
valuable information that will show you how to optimize your coverage
by using all of your available policies, auto and health.
If your PIP benefits are exhausted but you still need of additional medical
care, you could use your health insurance policy to continue paying for
treatment. Many of our clients express their concern about the accumulating
medical bills and the possibility of being sent to collections while their
case is ongoing. Using a health insurance policy consecutively to PIP
benefits helps keep medical bills under control and collection agencies
away. One more benefit from using health insurance to pay for medical
care related to a car accident is the adjustment of medical bills to reasonable
amounts that are pre-established in contractual agreements between the
health insurance carrier and the medical provider.
There are a few facts you must also keep in mind since the standard rules
of your health insurance policy will continue to apply. For example, your
treating physician has to be within the appropriate network and copayments
will have to be paid accordingly. Finally, you must know that once your
case settles, your health insurance will request reimbursement of the
payments they made related to your injuries. By law, you are required
to pay back your health insurance carrier if you obtained sufficient settlement funds.
However, depending on the type of health plan you have, an experienced
attorney might be able to reduce and even waive this lien upon conclusion
of your case. The key of dealing with this issue is to have an experienced
legal team on your side that will fight for your rights and do everything
possible to maximize your settlement.
Darrigo, Diaz & Jimenez, Attorneys at Law, we have skilled personnel that specializes in lien
negotiations. Our work does not end when we settle your case; we go the
extra mile with every one of our clients to make sure the keep the most
from their settlement funds.
If you have been injured in a car accident, you need a skilled and experienced
team of attorneys and paralegals that will guide you through the process
Call us at 813-877-5548 for a free evaluation of your case. We will be honored
to represent you.