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Who Is Going to Pay for My Hospital Bills After a Car Accident?


Hi, I am Mike Hancock with Hancock Injury Attorneys and the most common question I get from my clients after they have been involved in a car accident is “who is going to pay for my hospital bills?”

To answer this question we have to look at the various insurance coverages involved. First and foremost, Florida is considered a no-fault state for auto insurance. We follow what is known as the “Florida no-fault insurance” law. Everybody has to have no-fault coverage, which is also known as PIP, which stands for personal injury protection coverage. It follows you around no matter what vehicle you are in and that part of the policy is always $10,000 and pays for 80% of each medical bill and hospital bill, up to a maximum of $10,000.

The second type of insurance coverage that’s going to pay for your hospital bills are the at-fault party’s bodily injury liability coverage (also referred to as BI insurance). That bodily injury liability coverage pays for things such as your medical bills and hospital bills, your lost wages, and your pain and suffering.

The third area that we look to get your medical bills paid it is we look to your own policy to see if in addition to your no-fault or PIP coverage whether you have something called medical payments coverage. Not everybody does but if you do it’s typically in the $1,000-$5,000 range. How medical payments coverage works is that PIP pays 80% of each medical bill and then they will bring over 20% from your medical payments coverage (until it’s exhausted) and thus your medical bill is paid 100%.

Then the last area we like to go to pay for your hospital bills is your uninsured motorist insurance, also referred to as UM. In Florida, uninsured motorist coverage also includes underinsured coverage. So uninsured motorist coverage applies whether the at-fault party had no bodily injury coverage available at all or whether the at-fault party did not have enough bodily injury coverage to fully cover your damages.

I’m Mike Hancock with Hancock Injury Attorneys and if you have any other questions about who pays for your hospital bills give me a call at 813-534-6929 and I’d be happy to answer any questions you have.

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Client Testimonials & Reviews

I have received nothing but the best service I can ask for from Mike Hancock’s office. He and his office are true professionals in every sense of the word. They guided me along the process and had outstanding communication. I am more than pleased with the services they provided, and I would definitely recommend them to anybody.

— Kayla Hamilton

From first to last interactions with attorneys Mike and Claire Hancock, to all the supporting staff and legals, the office has always been courteous, knowledgeable, and professional. They have always gotten right back with me when I had a question, and would not hesitate to highly recommend them.

—Debbie Smith

Absolutely fantastic! The Attorneys and its staff are very knowledgeable. Through my entire process they kept constant communication and the return of calls. I couldn't have made a better choice.Can’t say enough. Thank you, Mike and Gabby.

- L.C.

I want to express my thanks to you and your staff for handling my case. Your expertise and kindness in representing me was invaluable. Thank you so much for your professional and effective help. I won’t hesitate to recommend your firm to anyone who may need legal assistance

- J.M. of Tampa, Florida

I have no words to describe the wonderful experience that had been for me to do business with his legal firm . . . I really appreciate all the great effort that you guys put into my case.

- F.F. of Ocala, Florida

Heartfelt thanks to you for my check and for all your work for the extra check. I am so grateful to you. Appreciate everything very much! Special thoughts and prayers.

- So grateful to you

Thanks for the awesome service. You both did so much work on this and I appreciate it very much. This is a great outcome.

- P.Q. of Palatka, Florida

Mike and his team are awesome, emails are always responded back same day and the chiropractor recommendation was great. I was in a small fender bender but was always treated as if my case was worth a million dollars. I recommend his firm 1,000% you won't be disappointed.

- Chris

Your unwavering commitment to my family, and the love and compassion you have shown by your actions, and not just words, have had a dramatic, unforgettable impact on us all. Your kindness and level headedness in your representation has helped us be able to live a decent and stress-free life from here forward.

- P.M. of Brooksville, Florida

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