What Happens When PIP and MedPay Run Out?

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In most cases PIP and MedPay are responsible for your accident related medical bills.
Personl holding open an empty wallet

In most cases PIP and MedPay are responsible for your accident related medical bills. After this coverage is exhausted, you may turn to your health insurance for payment, and you may be able to make a claim against the other driver and recover damages. PIP and MedPay are medical insurance coverages that will pay for reasonable medical expenses. PIP is more comprehensive coverage than MedPay.

What Does PIP Cover?

PIP provides coverage for medical expenses as the result of an accident. PIP includes benefits for lost wages and other reasonable non-medical or work-related losses and a death benefit. PIP covers more than MedPay. PIP covers 80 percent of your first $10,000 in reasonable medical bills. After that your PIP benefits are exhausted. Any bills that are not covered by PIP can be covered through the at-fault driver’s bodily injury policy when the case is settled.

What Does MedPay Cover?

MedPay Insurance protects you regardless of who caused the accident. MedPay coverage pays medical expenses for you and any passengers in your vehicle who are injured during an accident or auto-related injury. MedPay only pays for medical expenses. MedPay can reimburse you for reasonable medical expenses resulting from auto accidents. MedPay will not cover items such as vehicle repair or other property damage, lost income, temporary or permanent disability, or pain and suffering.

Health Insurance Pays Medical Bills After PIP and MedPay

Usually, your PIP and MedPay coverage is the first to pay your accident related medical bills. After this coverage is exhausted, you may turn to your health insurance for payment. Additionally, you may make a claim against the other driver. Any bills that are not covered may be covered by the at-fault driver’s bodily injury policy or your uninsured motorist policy.

If you or a loved one have been injured in an accident and need help getting compensation for your injuries, call Tampa Personal Injury Attorney, Martin J. Hernandez of Fernandez & Hernandez at 813 229 5353.

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