If you or a loved one has been in a car accident, you might be wondering who’s responsible to pay for the medical expenses. Laws vary from state to state. Florida, for instance, is a “No-Fault” insurance state. Every motorist is required to have a minimum of $10,000 in Personal Injury Protection (PIP). This PIP coverage covers 80 percent of medical expenses up to the cap, and 60 percent of lost wages up to the cap no matter who is at fault. In other words, when there’s a car crash, each driver looks to their own insurance to cover their medical costs and lost wages. This differs from an “At-Fault” state, where a claim would be filed with the other driver’s insurer to prove who was at fault, and by extension, who would be responsible to pay the costs of the crash.
Have you or someone you care about been involved in a car accident? Did you feel okay after the accident occurred, but now, several hours or even days down the road, you have begun to experience pain that won’t go away? The fact is, not all injuries that occur after a car accident are obvious right away. In some cases, the shock and stress of the accident has to wear off before you are able to notice that something is not right.