Who Pays for Ambulance and Emergency
Room Bills after a Tampa Bay, Florida Auto Accident?
Florida residents are required by law
to carry Personal Injury Protection, or PIP, as a part
of their car insurance policy. This insurance is designed
to provide up to $10,000 of coverage for your auto accident
injuries and lost wages. What this fact means is, if you
are injured in an auto accident in the Tampa Bay area,
your PIP insurance will pay up to $10,000 toward your
ambulance and emergency room bills. No matter who is at
fault in your accident, your own PIP coverage always pays
for your first medical bills up to the limits of the policy,
which often means your PIP winds up paying for your emergency
care.
What if your ambulance and emergency
room bills exceed your $10,000 PIP coverage? There are
actually a few options available to you. If the other
driver is at fault in your accident, the at-fault driver's
insurance coverage would be responsible for paying your
bills and other losses that exceed your PIP coverage.
To make a claim with the at-fault driver's insurance company,
you or your Tampa auto accident
lawyer will have to contact the company directly.
If the at-fault driver does not have
insurance, or has insufficient insurance, the next option
might be your own uninsured and underinsured motorist
protection, also known as UM and UIM. This coverage steps
in when there is no coverage available from the at-fault
driver's insurance policy. Considering the large number
of drivers on the road today with insufficient insurance
coverage, as well as the increasing number of hit-and-run
accidents, it is highly recommended that all drivers carry
UM and UIM insurance.
Another alternative for paying your
ambulance and emergency room bills if they exceed your
PIP policy limits of $10,000 is you own health insurance
policy. Or, if your auto accident occurred while you were
on the job, workers compensation may provide coverage
for auto accident emergency care.
Wondering who will pay for your ambulance
and emergency room bills is an excellent question that
shows how complicated it can be to get your life back
in order after an auto accident. This question also shows
how vital it is to speak to a lawyer as soon as possible
after your accident. You did not deserve to be injured,
nor do you deserve the stress of mounting medical bills,
but thankfully an experienced and qualified lawyer will
be able to handle those issues for you.
Give yourself the time and tranquility
you need to heal by contacting a Tampa auto accident lawyer
today about your case. The law office of Dale Appell,
P.A. offers a free initial consultation to everyone who
calls us, e-mails us, or fills out the form on our “Do
I have a Case?” link, whether you are next door to us
in Tampa or Clearwater or elsewhere such as Lutz, Sun
City Center, St Petersburg, Citrus, New Port Richey, Pasco,
Polk, Oldsmar, and Hernando.
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