Who Pays For My 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? If you qualify for Personal Injury Protection (PIP), the Read More

Can I Still Get My Medical Bills Paid Even If I Was Partially At Fault?

Sometimes an accident is the result of multiple factors. Partly your fault. Partly the weather conditions. And partly the fault of someone else. But if that accident leads to injuries and medical bills, will either insurance continue to cover your medical bills if you were even partially at fault? The simple answer to this question Read More

How Much is the No Fault Provision?

The No Fault provision is essentially an agreement between all Florida insurance companies and the Florida Legislature. Under the provision, insurance companies are required to provide a certain level of coverage for their insured if they are involved in an automobile accident, regardless of fault. In exchange, the victim of an auto accident can only Read More

What is Uninsured/Underinsured Motorist Coverage?

You may find it shocking to know that Florida has the fifth highest rate of uninsured drivers in the whole country. Almost a quarter of Florida drivers do not have auto insurance. In other words, one out of every four cars you see while driving on I4, SR417, or any familiar backroad may be driven Read More

What Does PIP Cover?

Personal Injury Protection, or simply PIP, is mandatory coverage provided by your insurance company in the event of an accident. It is governed by Florida Statute 627.736(1). Under the PIP Statute, an insurance company is required to provide their insured with a minimum of coverage, should they be involved in an auto accident. The minimum Read More

What is Bodily Injury Coverage?

Getting involved in an accident that is not your fault can be a traumatic event. Besides suffering injury, chronic pain, and mental anguish, you may be struck with the feeling of utter helplessness. Who is going to pay my bills? Who is going to compensate me for my loss? Most auto accidents are caused by Read More

What is Medical Payment Coverage or MedPay?

The State of Florida requires that all insured drivers carry $10,000 of Personal Injury Protection (PIP), to cover 80 percent of any medical bills directly related to injuries sustained in a motor vehicle accident. But what happens to the other 20 percent? If your insurance policy has an elective provision called MedPay, or Medical Payment Read More

How Do My Medical Bills Get Paid?

Every accidents is, by definition, an unplanned and unfortunate situation. As are the costs that follow. Depending on how bad the accident was, your car may need to be repaired or replaced. And what about the other person’s car? Who will pay for those repairs? But the most serious of concerns generally revolve around how Read More

Full Coverage

When it comes to auto insurance, like most states, Florida has mandatory coverage requirements. But unlike many states, this coverage is minimal. Within the State of Florida, drivers are required to carry $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability Coverage (PDL). Essentially, what this means is that you are covered Read More

The Minimum Threshold

For quite some time, Florida residents have gotten familiar with our no-fault system. Residents also know that it is required, by law, to have personal injury protection, or PIP, paying upwards of $10,000 regardless of who is at fault in the accident. Anyone wishing to pay additional dollars for bodily injury coverage is asking for Read More