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A sunny afternoon, you’re cruising on the I-75 in Florida, when suddenly your peaceful ride turns into chaos – you’ve been in a car accident. Amid the panic and confusion, you may ask yourself, “Who pays for the medical bills after a car accident in Florida?” This isn’t just a simple curiosity, it’s a crucial question that often weighs heavily on accident victims.

This is where Morgan Law Group’s personal injury attorney in Florida, can offer assistance. As a leading personal injury attorney firm in Florida, we offer more than just legal advice. With our proven track record in handling cases related to car accidents in Florida, we possess the competence necessary to navigate the complex legalities surrounding accident-related medical expenses.

Florida’s No-Fault Law

The term “no-fault” refers to the way that insurance claims are handled after a car accident. In Florida, instead of determining who is at fault in an accident to decide who will pay for the damages, each individual involved in a car accident turns to their own auto insurance company to pay the costs of medical bills and other losses, regardless of who was at fault.

The no-fault law is designed to reduce the number of lawsuits filed over accidents, since each driver’s insurance can pay for their losses, eliminating the need for legal proceedings to determine who was at fault. However, it’s important to remember that the no-fault law only applies to personal injury; for property damage, the at-fault driver’s insurance will typically cover the costs.

Personal Injury Protection (PIP) Coverage

One key aspect of Florida’s no-fault insurance laws is the requirement for Personal Injury Protection (PIP) coverage. Every motorist in Florida is required to carry at least $10,000 in PIP coverage. PIP insurance covers medical costs, lost wages, and death benefits. Specifically, it covers:

  1. 80% of reasonable medical expenses related to the accident. This can include medical services and medication, surgical services and hospital expenses, rehabilitative services, diagnostic services, and ambulance transport.
  2. 60% of lost wages due to the inability to work after the accident, including any loss of earning capacity in the future.
  3. A $5,000 death benefit, which is in addition to the $10,000 limit if the covered individual dies as a result of the accident.

Despite these benefits, PIP coverage has its limitations. It doesn’t cover non-economic damages like pain and suffering, and the benefits may not be enough to cover all expenses or losses related to a severe accident. If your damages exceed what PIP covers, and you meet certain injury thresholds, you may then be able to pursue a lawsuit against the at-fault driver for additional compensation.

Let the Morgan Law Group’s Florida Personal Injury Lawyer Fight for You

As an accident victim, you might find yourself battling insurance companies, which can be daunting and confusing. You don’t have to face this alone. A Florida personal injury lawyer from Morgan Law Group can fight for you. Our competence lies in advocating for victims, negotiating with insurance companies, and ensuring you receive the compensation you deserve.

Navigating through the complex laws surrounding car accident medical bills in Florida can be challenging. Without a professional by your side, you might find it difficult to understand the rules and exceptions that govern these scenarios. Therefore, seeking the assistance of an auto accident attorney can be a game-changer for you.

When you hire a personal injury attorney from Morgan Law Group, you’re not just hiring a lawyer, but gaining a partner who will fight for your rights. We understand the emotional, physical, and financial burdens a car accident in Florida can impose. Our team is committed to relieving this stress by aggressively pursuing the maximum compensation you’re entitled to under Florida law.

Don’t navigate this complex process alone. The question of “who pays medical bills in a car accident in Florida” shouldn’t be yours to worry about.

Contact Morgan Law Group today for a free consultation, and let us fight for the compensation you deserve. We’ll help turn the ordeal of an accident into a journey toward justice and recovery.