It is common to have various expenses to handle after an accident. Filing a personal injury claim may aid in addressing those expenses, but reaching a settlement may take time.
There are a few other options that may be available to help cover expenses quickly. Consider these coverage options for medical bills after an auto accident.
Personal injury protection
For Florida drivers, carrying Personal Injury Protection is a requirement of the state. This coverage allows drivers to submit a claim against their own insurance and receive up to $10,000 to help cover medical bills and lost wages. However, by filing this claim, drivers admit fault for the accident and lose the ability to make a claim in court against the other driver. In such instances, drivers should consider the extent of the damages to determine if the quicker funds through the claim will provide enough compensation. Also, claimants should be knowledgeable of any co-payments or deductibles that the plan may have.
Health care coverage
Along with PIP plans, general health care coverage plans may help to cover some medical bills. It is critical that claimants be aware of the proper filing process and any stipulations for filing a claim. Filing improperly may result in delays in payment, or a denial of the claim in general.
For those drivers with PIP coverage, MedPay helps to pay the deductible for the plan, along with funds for medical bills and lost wages. Similar to the PIP plan, it is a no-fault plan, so it pays out regardless of who is at fault. However, if the party at fault for the accident has this coverage, the insurer may pay the other party before paying out to the at-fault party.
Being aware of the available coverage options can help people make the best choice for their situations. It may also be helpful to consult with an attorney to make sure that they explore all possible avenues.