There are over 6 million car accidents in the US every year, about 40% of the car accidents in Florida result in injuries, but roughly 16% of Floridians do not have any health insurance. You’re injured in a car accident in Florida, but you don’t have any health insurance, or you do, but you have a high deductible. How are you going to go see and pay for a doctor?
After a car accident, it’s important to go to a doctor to get checked out, especially if you’re experiencing pain or injury symptoms. You need to get to the doctor and start trying to get better. The sooner you’re able to start therapy and treatment, the higher your likelihood of recovering from your injuries. Oftentimes, not having health insurance or not being able to afford to go see a doctor, keep people from going. Most of the time, even if there is no health insurance, you still can go see a doctor.
In Florida, all registered vehicles, with a few exceptions, are required to have no fault insurance. Exceptions to this include motorcycles and buses, but typical passenger vehicles are required to have this minimum insurance. One of the insurance coverages required under Florida’s no fault insurance law is personal injury protection insurance, typically referred to as PIP or P.I.P. The PIP insurance will cover 80% of your medical expenses and 60% of your loss wages caused by a car accident, that is without regard to fault. Given that this insurance is required in the state of Florida, many medical providers will see you following a car accident and not require you to pay any money. Medical providers do this knowing that they will submit their bills for treatment to your insurance company under PIP coverage.
If you’ve been injured in a car accident, go see a doctor, you should have the insurance available to help pay the cost. The doctor can help you try to recover from your injuries and can document your injuries in the event you need to pursue a claim.