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Understanding Your Insurance Coverage For Injuries After An Auto Accident

Car accidents are a leading cause of injuries, many of which can be devastating and have lifelong consequences. Accident victims may end up with neck injuries, broken and fractured bones, back injuries, and spinal cord injuries. Depending on the injury’s severity, sometimes surgery and ongoing physical therapy may be required to repair the damage and rehabilitate the victim. All of this is expensive. Who is responsible for the medical bills accumulated from a car accident in Florida? While coverage differs depending on the policy and specific situation, there are some basics you should understand about what insurance covers.

What Types Of Insurance Pays For Physical Therapy After An Auto Accident?

For many car accident victims, physical therapy may be required to help with their injuries and prevent future issues. There are several insurance policies that could pay for your physical therapy bills while you recuperate from a car accident.

No-Fault Insurance Coverage

Florida is a no-fault state, meaning that all motor vehicle owners are required to have a minimum of $10,000 of Personal Injury Protection (PIP) insurance that covers the insured party, no matter who was at fault for the motor vehicle accident. This means that if you were injured in a car crash as the passenger or driver, or if a vehicle hit you while bicycling or walking on the road, then your own PIP insurance pays up to 80% of your medical bills. This includes physical therapy bills. However, this only applies if you seek treatment from a licensed medical provider within two weeks of the accident, and if it was not an “emergency” medical condition then the insurer may only be liable for up to $2,500 in medical bills.

Liability Insurance Policy

If the other driver was found to be liable, then their liability insurance company may reimburse your medical bills as well as other damages like pain and suffering. However, the burden of proof is on you, which can be a lengthy and complicated process that requires the assistance of an experienced personal attorney.

Health Insurance Coverage

Depending on your insurance coverage, your health insurance company may pay your medical bills if you hit the limit of your PIP benefits. However, this would fall under your health insurance policy terms, so you would have to pay the co-pays and deductibles. Moreover, if you win a personal injury settlement for the car accident, your health insurance company may collect reimbursement for the bills it paid due to your accident from your settlement proceeds.

Uninsured Motorist Insurance

In the case that the at-fault driver did not have insurance coverage, you can only be reimbursed for physical therapy bills from your insurance policy if you already purchased uninsured motorist insurance coverage. This type of coverage compensates you if you can prove that the uninsured driver was liable for the accident, and that the accident was directly responsible for your injuries.

Contact Us Today

Remember that insurance companies are businesses looking out for their bottom line at the end of the day, and even if you faithfully pay your premiums for years, your insurance company may still fight you to pay out the lowest amount possible. That is why it’s essential to have an experienced car accident attorney on your side to get the compensation you deserve for your injuries. Call BCN Law Firm to consult with an experienced Florida personal injury attorney today.