After an injury, Florida motorcycle accident medical bills can pile up, making your road to recovery feel impossible. Your insurance coverage may be enough to cover the costs, but your injuries may be so severe that the cost of your medical bills exceeds your insurance coverage. You don’t have to fall into medical debt; you have options for paying your medical bills after a Florida motorcycle accident.
How Florida’s No-Fault Laws Apply to Motorcyclists
When you register a vehicle with at least four wheels in Florida, you must show proof of Personal Injury Protection (PIP) and Property Damage Liability (PDL) auto insurance. Under Florida’s No-Fault Law, PIP insurance covers 80 percent of all reasonable medical expenses up to the coverage limits resulting from a covered injury, regardless of who caused the auto accident.
The problem with PIP insurance when it comes to motorcyclists in Florida, however, is that PIP insurance does not cover motorcycle accidents. You will have to rely on your own insurance or that of the other driver if they caused the accident to cover your medical bills.
FAQ: Does Personal Injury Protection (PIP) cover motorcycle accidents in Florida?
No, PIP does not cover motorcycle accidents in Florida.
Using Health Insurance and MedPay Coverage
You are not legally required to carry motorcycle insurance in Florida. Many cyclists fall into the trap of thinking that since they are safe drivers, they don’t need to pay for motorcycle insurance. But the truth is, no matter how safe a driver you are, accidents outside your control still happen.
If you find yourself in this situation, are injured, and don’t have motorcycle insurance, you can use your own health insurance or MedPay Coverage to help cover the costs of your medical bills.
When the Other Driver’s Insurance Pays
Let's say you have health insurance, MedPay Coverage, or a combination of the two, but your damages resulting from the accident, such as your medical bills, exceed your insurance coverage. The answer to the question of who pays your motorcycle crash medical bills is the at-fault driver. An experienced attorney can help you build a personal injury claim so you can pursue a settlement against the at-fault driver.
FAQ: What if I’m partly at fault for causing my motorcycle accident? Can I still go after the other driver’s insurance policy?
Yes, even if you are partly at fault, you can still go after the other driver’s insurance policy by pursuing a personal injury claim. However, any settlement you get will be reduced by the percentage you are found to be at fault. But if you are more than 50 percent at fault, you will be unable to receive any settlement.
What to Do If Your Florida Motorcycle Accident Medical Bills Are Still Unpaid
If you have unpaid Florida motorcycle accident medical bills and are in need of help, call Hancock Injury Attorneys today at 813-915-1110. We will listen to your story, investigate what happened, and work to ensure the at-fault party is held responsible for their negligence.