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 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 treat with a doctor.
Who pays for the balance of the bills? Because PIP will only pay 80% of any medical bill, if will leave the remainder of the bill 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 the law office of Dan Newlin & Partners at (407) 888-8000: While you are focusing on recovering and getting better, allow us to handle the processing and payment of your medical bills. My staff and I always strive to ensure that our client’s medical bills are handled in a timely manner and are 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 me today for free advice concerning how to handle your medical bills.