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Who Pays My Medical Bills & Lost Wages?

One common question that clients ask us is who ends up paying for their medical bills and lost wages as a result of their personal injury claim. Although the specifics of a case are often different depending on insurance coverage, the payment process in general is as follows.

Who Pays My Medical Bills & Lost Wages in an Automobile Accident?

The medical bills you incur as a result of a personal injury from an auto accident are typically paid by the following insurance policies:

  1. Your own Personal Injury Protection (PIP) coverageunder the Florida No Fault Law will pay 80% of your medical bills and 60% of lost wages up to your policy limits of $10,000.00. For example, if you purchase a PIP policy with a $10,000.00 limit, 80% of your medical bills will be paid until the total reaches $10,000.00. After your bills exceed $10,000.00, your PIP insurance is said to be “exhausted” and any additional medical bills must be paid by other sources of insurance or yourself.
  2. Your Medical Payments Coverage (if purchased) will pay the remaining 20% of your medical bills or any medical bills over $10,000.00 up to your medical payments coverage policy limits.
  3. Your Health Insurance policy will also cover any covered medical bills that are not covered by your auto PIP insurance or Medical Payments Coverage.
  4. The negligent party’s bodily injury liability coveragewill also apply to any unpaid medical bills after your PIP and excess medical payment coverage is exhausted and any unpaid lost wages after your PIP insurance limits are exhausted. Unfortunately, this will only apply to your medical bills or lost wages upon the complete settlement of your case. Therefore, you may have unpaid medical bills or difficulty getting medical treatment if your other medical benefits are exhausted. The amount of benefits received from this depends on the limits stated in the at-fault party’s insurance policy.
  5. Your own uninsured motorist or underinsured motorist coverage will help to cover remaining medical bills or lost wages (up to the amount stated in your UM or UIM policy limits) if the negligent party did not purchase or does not have enough bodily injury liability insurance.  

Who Pays My Medical Bills & Lost Wages in a Motorcycle Accident?

The medical bills you incur as a result of a personal injury from a motorcycle accident are typically paid by the following insurance policies:

  1. Your Medical Payments Coverage (if purchased) will pay 100% of your medical bills up to your motorcycle medical payments coverage policy limits.
  2. Your Health Insurance policy will also cover any covered medical bills that are not covered by your motorcycle Medical Payments Coverage.
  3. The negligent party’s bodily injury liability coveragewill also apply to any unpaid medical bills after your motorcycle medical payment coverage is exhausted and any lost wages. Unfortunately, this will only apply to your medical bills and lost wages upon the complete settlement of your case. Therefore, you may have unpaid medical bills or difficulty getting medical treatment if your other medical benefits are exhausted. The amount of benefits received from this depends on the limits stated in the at-fault party’s insurance policy.
  4. Your own uninsured motorist or underinsured motorist coverage will help to cover remaining medical bills or lost wages (up to the amount stated in your UM or UIM policy limits) if the negligent party did not purchase or does not have enough bodily injury liability insurance.   

Who Pays My Medical Bills & Lost Wages in a Slip and Fall Accident or Premises Liability?

The medical bills you incur as a result of a personal injury from a slip and fall/premise liability claim are typically paid by the following insurance policies:

  1. The premise owner’s Medical Payments Coverage (if purchased) will pay 100% of your medical bills up to the medical payments coverage policy limits.
  2. Your Health Insurance policy will also cover any covered medical bills that are not covered by the premise owner’s Medical Payments Coverage.
  3. The negligent party’s bodily injury liability coveragewill also apply to any unpaid medical bills after any medical payment coverage is exhausted and any lost wages. Unfortunately, this will only apply to your medical bills or lost wages upon the complete settlement of your case. Therefore, you may have unpaid medical bills or difficulty getting medical treatment if your other medical benefits are exhausted. The amount of benefits received from this depends on the limits stated in the at-fault party’s insurance policy.

 

Who Pays My Medical Bills & Lost Wages in a Work Accident and Workmans Comp Claim?

The medical bills you incur as a result of a worker’s compensation claim are typically paid by the following insurance policies:

  1. Your employer’s Worker’s Compensation Insurance(if purchased, as required by law) will pay 100% of any medical bills incurred by an employee for an injury incurred on the job. This will cover 100% of all emergency room care and 100% of all medical care provided by an approved worker’s compensation doctor.
  2. Your Health Insurance policy will also cover any covered medical bills that are not covered by the worker’s compensation insurance in the event that no workers compensation insurance exists or there is a dispute as to the applicability of worker’s compensation coverage.
  3. Your employer’s Worker’s Compensation Insurance(if purchased, as required by law) will pay 66 2/3% of any gross lost wages that you incur.

 You can contact us by phone at any time or through live chat during business hours if you have suffered injuries from a personal injury claim or would like more information.

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