If you are involved in a car accident, then your PIP insurance coverage will pay for your medical bills up to a maximum of $10,000. As is often the case in serious car accidents, your medical bills will exceed $10,000. A hospital stay alone will usually cost more than $10,000.
If you have private health insurance (such as Aetna or Blue Cross and Blue Shield) or Medicare or Medicaid, then that will pay for your medical bills that PIP doesn’t cover. Remember, PIP only pays at a rate of 80% of your medical bills, up to a maximum of $10,000.
In your personal injury case, you can recover money for your medical bills in addition to lost wages and pain and suffering. How does this work if your health insurance paid for those medical bills? The health insurance company will have what is known as a right of subrogation. This basically means that they will have a right to be reimbursed if there is a third party who is responsible for causing you to incur those medical expenses.
How would an insurance company ever find out that there is someone who may be responsible for those damages? Florida Statute §768.76(6) requires that the health insurance company be notified if you will be bringing a claim against the party who caused your injuries.
Navigating through subrogation issues can be rather complex, which is why it is best to have a personal injury attorney. Attorney Boris Lavent will provide a free case evaluation when you call, and you will never be responsible for any fees or costs unless there is a recovery in your case. Call Lavent Law today for more information.
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North Miami Beach, FL 33162