In Florida an insurance company has up to 90 days to settle an insurance claim after it has been officially filed.
In Florida the insurance companies also have specific time frames that they must acknowledge the claim and then decide on whether or not to accept the claim before paying out any final settlement.
After an accident in Florida the other drivers insurance will pay the medical bills for your injuries if it was the other drivers fault.
However the other person's insurance company does not directly pay your medical bills in Florida.
Instead, they will make a settlement at the end of your case and it is your responsibility to take care of your medical bills first until the settlement is reached.
The state of Florida's no fault laws require you to go through PIP first, but that's not your only recourse.
After you've made a PIP claim, you can then file a personal injury lawsuit against the other driver's insurance company; they are the party who most commonly pays medical bills after a Florida car accident.
If they're unable to collect on your debt, the hospital or collections agency could decide to sue you.
Lawsuits are expensive and an additional emotional burden on top of your medical debt.
You should hire a personal injury or car accident lawyer to help you settle a claim with the insurance company and other driver if the other person was at fault and you suffered severe enough injuries and were not able to work.
You can take steps to make sure that the medical bill is correctly calculated and that you get any available financial or necessary legal help.
If you do nothing and don't pay, you could be facing late fees and interest, debt collection, lawsuits, garnishments, and lower credit scores.
In the State of Florida, you have to pay your deductible even if the accident was not your fault.
Having said this, if another party is proven to be at fault in your accident, you may have the opportunity to claim compensation to recover the deductible from your insurance company.
Florida requires all vehicle owners to have personal injury protection (PIP) insurance.
The PIP coverage should be at least $10,000.00, which will pay for medical costs and lost wages.
Motorists should also carry property damage liability coverage of at least $10,000.00
Car insurance rates are slightly higher after an at-fault accident with injuries compared to an accident with only property damage.
In Florida, your rates could increase anywhere from 22% to 77% depending on your insurance company.
Once you sign a settlement agreement or receive a jury verdict in your favor, your lawyer will take 33.3 percent or one-third of the compensation as their fee.
For example, if you settle with the insurance provider for $30,000.00, your attorney would get $10,000.00 while you get $20,000.00
Insurance companies in Florida have 90 days to settle a claim after it is officially filed.
Florida insurance companies also have specific time frames in which they must acknowledge the claim and then decide whether or not to accept it, before paying out the final settlement.