A car crash can change your life in seconds. Medical bills start piling up fast, from ambulance rides and emergency care to surgeries, physical therapy, and follow-ups. If you’re recovering from injuries, you might wonder how you’ll afford all this care. And if you can’t work, the stress only grows.
At Zayed Law Offices Personal Injury Attorneys, we understand what you’re going through. Our law firm has helped injured victims in Miami, FL, recover the compensation they need. We can help you explore all avenues for recovering money to cover your medical costs; contact us today at (305) 916-6455 for a free consultation.
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How Zayed Law Offices Personal Injury Attorneys Can Help You Recover Money After a Car Accident
After a crash, you’re likely dealing with pain, stress, and confusion, not to mention the growing medical bills. This is where we step in. At Zayed Law Offices Personal Injury Attorneys, our legal team will fight to protect your rights and help you recover the money you need for treatment, lost wages, pain and suffering, and more.
When you hire a Miami car accident lawyer from our firm, you can count on us to:
- Investigate the cause of the accident and parties who may be liable
- Gather critical evidence to prove liability and your damages
- Handle all communications with the insurance companies
- Review your insurance policy and explore all sources of compensation
- Help you resolve insurance coverage disputes
- Help you understand your options for getting medical care while your case is pending
- Work with experts to calculate future medical needs and damages
- Negotiate aggressively for a fair settlement
- Take your case to court when a fair agreement can’t be reached
You don’t have to deal with the insurance company alone. We’re here to guide you every step of the way and fight for every dollar you deserve. Call today to set up your free case review.
How Does No-Fault Insurance Work In Florida?
Florida is a no-fault insurance state, which means your own car insurance pays for your medical bills after a crash, no matter who caused the accident. This system is designed to help accident victims get medical care quickly without having to prove fault first.
The main part of this coverage is called Personal Injury Protection, or PIP, which is required coverage with every auto insurance policy.
PIP is the first line of payment for medical expenses after an accident. It pays 60% of your lost wages and 80% of your medical bills up to $10,000 total. PIP can help pay for things like emergency care, surgery, rehab, and follow-up visits.
There are strict rules to follow to receive PIP benefits. You must get medical treatment within 14 days of the crash to qualify for benefits. PIP covers your initial treatment costs and, when necessary, follow-up care.
To receive the full $10,000 in benefits, a provider must determine you had an emergency medical condition. Otherwise, coverage is capped at $2,500.
Of course, $10,000 doesn’t go very far, especially if you have serious injuries. Even an ambulance ride costs $600 for basic life support and more than $1,100 for critical injuries in Miami-Dade County. That’s why many people need to explore other options to recover the rest of their expenses.
What Are My Options If PIP Doesn’t Cover All My Medical Bills?
PIP coverage helps, but it’s often not enough. Fortunately, there are other ways to cover your medical bills after a car accident in Florida. Here are some of the most common options.
MedPay (Medical Payments Coverage)
This optional coverage helps pay your medical bills after a crash, no matter who was at fault. It’s supplemental coverage that can be used to cover co-pays, deductibles, and costs that PIP doesn’t fully pay.
Health Insurance, Medicare, Or Medicaid
If you’ve used up your PIP or don’t have MedPay, your health insurance can help. Be aware that your insurer may require you to reimburse them if you later recover money in a personal injury claim through subrogation.
Workers’ Compensation
If the crash happened while you were working, like making deliveries or driving for your job, you may be eligible for workers’ compensation. This can pay for your medical treatment and part of your lost wages.
Filing a Claim Against the At-Fault Driver
If your injuries are serious enough or if another exception applies, Florida law lets you step outside the no-fault system. You can file a claim against the at-fault driver for damages like unpaid medical bills, pain and suffering, and lost income.
Can I Sue The Other Driver For My Medical Expenses?
In Florida, you must meet what’s called the “serious injury threshold” or qualify under another exception (such as if your losses exceed your policy limits) to file a lawsuit or personal injury claim against the at-fault driver.
You may be eligible to sue if your injuries include:
- Catastrophic injuries that cause significant, permanent loss of an important bodily function
- An injury that is likely permanent
- Significant, permanent scarring
If your injuries meet one of these conditions, you can seek compensation beyond what PIP pays. This includes your full medical expenses, anticipated future medical care, additional lost earnings, and diminished earning capacity. You can also potentially recover money for your non-economic damages, or losses without financial value.
Schedule a Free Consultation With Our Miami Car Accident Lawyers To Explore Your Options
Medical bills after a car accident can feel overwhelming, especially when you’re trying to heal. You don’t have to face this alone. If you were hurt in a crash in Miami, FL, Zayed Law Offices Personal Injury Attorneys is here to help. With over 100 years of combined experience, we know how to fight for what you deserve.
Call today to schedule a free consultation with a Miami car accident attorney. We’ll walk you through your options, answer your questions, and help you understand the next steps. There’s no risk and no obligation. If you decide to move forward, we accept cases on a contingency fee basis, which means you only pay us attorney’s fees if we win compensation for you.
