Anthony-Smith Law’s FAQs are designed for personal injury victims of auto accidents and victims of medical malpractice. Because truck accidents and medical malpractice litigation have unique issues, our lawyers have created this FAQ to address specific car accident and malpractice questions.
Auto Accident FAQs
Who is going to pay for your medical bills?
Besides being injured and having damage to your property, an auto accident can put you in a position of financial hardship. An ambulance ride, ER visit, X-rays, and follow-up appointments can quickly add up to thousands of dollars of medical bills. Who is responsible? Who will pay?Keep reading for a better understanding of Florida personal injury protection law.
With Personal Injury Protection (PIP) insurance, the PIP carrier will cover 80% of any and all medical expenses related to injuries sustained in the accident, up to $10,000. Medical providers will submit bills to the PIP carrier (typically your insurance company) and will be paid directly on 80% of the balance. Once the insurance company has paid $10,000 in benefits, it will consider your PIP coverage to be “exhausted.” This does not mean that you cannot still obtain medical treatment.
Who pays for the balance of the bills?
Because PIP will only pay 80% of any medical bill, it will leave the remainder of the bill as your responsibility. These outstanding balances constitute “out-of-pocket expenses,” which can be claimed as damages against the at-fault party. There may be other forms of coverage available to cover the remaining balance, including health insurance, medical payment auto coverage, Medicaid, or Medicare.
How do I handle my medical bills?
Call Anthony-Smith Law Attorneys at 321-900-HELP. While you are focusing on recovering and getting better, allow us to handle the processing and payment of your medical bills. Our staff always strives to ensure that our clients’ medical bills are handled promptly and paid for by the proper party. As an additional service, we will work with all of the providers and negotiate lower balances on all of your outstanding bills.
WARNING: Improper handling of medical bills could result in them going to collections and possibly damaging your credit. Call us today for free advice concerning how to handle your medical bills.
What should I do if I am involved in an automobile accident?
Being involved in an automobile accident can be a very traumatic experience. From the moment of initial impact, your whole world can turn upside down. If you are involved in an automobile accident either as a driver, passenger, or pedestrian, the things you do after an accident can have a significant impact on your rights. Here are some of the steps you should take:
STEP 1: Report the accident immediately
Call 911 and report that you have been involved in an automobile accident. Once law enforcement arrives, cooperate with them and explain in detail how the accident happened. If you know of witnesses who saw the crash, ask the officer to speak with them as well. Upon completion of the report, request a copy of the information or, at a minimum, the name of the law enforcement agency, the officer’s name, and the crash report number.
STEP 2: Seek immediate medical attention
Injuries sustained in car accidents can vary from minor to severe to life-threatening. Even if you aren’t experiencing any pain, immediately seek medical attention. If medical assistance is offered at the accident scene, have the paramedics examine you. If you have insurance, your Personal Injury Protection will automatically cover the majority of the ambulance ride to the emergency room and the ER visit. If you don’t have insurance, the ambulance and hospital will treat you just the same.
STEP 3: Get the names and contact information for all witnesses
It will always help to have this information. Our office will immediately contact all witnesses and have them interviewed by a professional investigator. If you do not know the witnesses personally, they are considered to be “independent observers,” and their statements could help in any arguments about how the accident occurred.
STEP 4: Take photographs at the scene
If at all possible, find a way to take pictures of all vehicles involved and any road hazards that may have contributed to the accident (construction barriers, potholes, debris, etc.).
STEP 5: Call 407-299-8589
Our experienced and friendly staff will be ready to offer free advice to you concerning any accident. Many factors can be addressed shortly after the auto accident, and we will always be ready to help you through this ordeal. If possible, call us before speaking to any insurance company.
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