If you get hurt in an accident, you might be wondering who is going to pay for your medical treatment. First, you must understand that if you get into an accident, the at-fault party will not pay for your medical bills on an ongoing basis. Instead, the at-fault party must pay you damages – including past, present, and future medical expenses – to resolve your lawsuit.
Motor Vehicle Accident Claims
Florida is a no-fault state, which means that your car insurance company will pay some or all of your medical bills if you are involved in a car accident, no matter who was at fault for the accident. However, after your medical bills exceed the state’s “no-fault” limit, then you become responsible for paying them. In this case, your health insurer will pay for your medical bills if you have health insurance.
Premises Liability Claims
In premises liability cases, such as slip and fall accidents, the victim generally is responsible for paying his or her own medical bills. But if the premises owner’s property insurance policy has “med pay” coverage, however, then his or her insurance company will pay the victim’s medical bills until the “med pay” policy limits are reached.
Boating Accident Claims
If you suffer an in a boating accident, you will most likely be responsible for paying your medical bills. Boating insurance policies rarely include “med pay” insurance coverage.