It is a common misconception that the party at fault in an auto accident is required to pay all the medical bills for the innocent party. Especially in Florida, a no-fault state where you are not required to prove that the other party involved is responsible for the injuries acquired.
This makes the whole insurance process rather frustrating for the people involved and leaves a lot of questions up in the air. Usually it’s best to just contact an attorney and see what you can do. As one of the top law firms in the Tampa area, Inkelaar Law has several lawyers who specialize in car accidents and are ready to help.
To understand who pays the deductible in an auto accident we first need to understand what a health insurance deductible is. A health insurance deductible is defined as a certain amount that you pay for your health insurance before the insurance can actually start to pay the rest.
This is done by insurance companies to make sure that the policyholder is just as invested as the actual insurance company. In sharing the cost, or cost sharing as it is known, both parties involved are sharing the burden of the cost creating an air of trust between the policyholder and the insurance company.
Still insurance companies almost always change policies on a yearly basis and at times may not want to actually pay you what you are owed. When something like this happens your options tend to be somewhat limited. It is always best to seek legal advice to know what your options are, lucky at Inkelaar Law our lawyers have years of experience in dealing with insurance issues, especially those relating to an auto accident.
Most people assume that after an auto accident occurs that the guilty party is responsible for paying all the insurance costs acquired by the victim. This is a very common misconception and tricky topic especially in Florida.
As Florida is a no fault state your insurance will cover your medical expense regardless of who caused the accident. The cost is usually covered from your personal injury protection, or PIP, which is mandatory by the state with a minimum coverage of $10,000.
Still if the injuries that you incurred from the accident exceed that amount you will still be responsible for paying the remaining balance. With this in mind if it can be proven that the other party was responsible for the injuries you have the opportunity to claim compensation and have them pay off the remaining deductible.
In a survey conducted in 2019 it was found that roughly over 12 million vehicles were involved in a car crash. Auto accidents happen everyday and at times can lead to devastating injuries. If you or a loved one has been involved in an auto accident we at Inkelaar Law will do everything to help you and your family get back to normal. Call us at (813) 535-5574 or visit our website for a free case consultation.
Disclaimer: The information contained in this article is for general educational information only. This information does not constitute legal advice, is not intended to constitute legal advice, nor should it be relied upon as legal advice for your specific factual pattern or situation.