What if my medical / hospital bills exceed the $10,000.00 PIP coverage available under my automobile insurance policy?
In all cases, the medical bills that exceed your $10,000.00 Personal Injury Protection (PIP) benefit will become part of your damage claim against the at-fault party. If you have health insurance, your health insurance coverage will cover your medical bills after it is documented your PIP coverage has been exhausted. If there is no health insurance coverage available, all the medical bills will remain outstanding until the conclusion of the injury case. Your auto accident injury attorney will then obtain all the medical bills related to the treatment resulting from the injuries you sustained in the subject accident and present them as part of your total damage claim. In addition to your outstanding medical bills, you are entitled to compensation for provable lost wages, as well a pain and suffering that resulting from injuries sustained in the accident. In many cases, your injury attorney can further assist you by negotiating the outstanding medical bills at the conclusion of the case. This reduces medical bills and maximum the financial recovery that you can pocket.
8 comments
After being hit as a pedestrian (in Florida) I was left with over $50,000.00 in medical bills. The Hospital where I received treatment put a lien on my settlement. The $10,000.00 PIP was exhausted and I am being balanced bill by the hospital which refused to send my bill the VA for payment but wants part of my bodily injury settlement. I also have a charging lien on my settlement from my former attorney that I fired.
I have permanent injuries and need future surgeries and treatments. Do I have to pay the balance of the hospital’s bill? They accept the VA payments as well as Medicaid and Medicare.
Hi Mary,
We are sorry to hear about what happened to you. What types of injuries did you suffer in the accident? What are the Defendant’s bodily injury policy limits? Which hospital has asserted a lien? Please feel free to call us at your convenience so we can let you know how we can help.
I was involved in a car accident earlier this year. I was hit and injured. The at fault party did not carry sufficient insurance coverage, therefore, we had to seek out my own insurance for the PIP, which has been exhausted. I do carry personal healthcare insurance. My attorney is also seeking the UM. Will my personal healthcare insurance take the UM money that would be available to me?
Hi Darcie,
Where did the crash occur? What are the policy limits of your Uninsured/Underinsured Motorist (UM) coverage? Is your UM policy stackable or non-stackable? Depending on your health insurance plan, your health insurance company may seek to subrogate for payments made. This means that your health insurance company may want to be re-paid for any payments they have made toward your health care from the crash. To get a better understanding of this issue, ask your attorney to explain subrogation as it relates to your case. Please feel free to call us should you wish to discuss any legal issue further.
Hi. I had an accident in my dads car. The other person was at fault. I am not listed on my dads policy. My bills are 75,000. The pip is 50,000, the other persons insurance is 30,000. My dad has underinsured and I have under insured. The adjusters said I have to pick one. I can’t use pip and get money from the at fault party how do I go about this. I want to do two claims one for the pip on my dads car and the other one against the at fault party.
Hi Tamara,
When and where did this incident occur? Was the at-fault driver cited for the incident? Who is the at-fault driver’s insurance company? Has the at-fault driver’s insurance company provided you with a certified copy of their insurance policy? Who is yours and your dad’s insurance company? Which underinsured motorist policy had a higher policy limit? Do you have health insurance as well? If so, did your health insurance pay any portion of your medical bills? Please feel free to call us so that we can let you know how we may be able to help.
I was in a accident caused by somebody else’s. My bills are 157k. I was driving my dads car. First the driver that hit me was not the owner of that car. But the owner of the car gave me the policy limits in a check. Next my dad had 50k in pip dc policy. Can I collect the 50k from pip to? Third my dad had underinsured motorist 75k, can I collect that? If so, do I have to pay pip back for the first 50k? Last how do I find out if the driver of the car had another policy on his own car. I negotiate all this but the lawyers are greedy, want to take 33% when I already have offer letters.
Hi Tamara,
When and where did this incident occur? Did you already cash the check for the owner’s policy limits? If so, did you previously get approval from your father’s insurance company to be able to accept the policy limits? Was the $50,000.00 in PIP applied to your $157,000.00 in medical bills? If not, make sure the medical providers bill the PIP carrier. Do you also have health insurance? If so, make sure the medical providers bill your health insurance after they bill the PIP carrier. Have you sent any correspondence to the driver of the other vehicle requesting insurance information? Have you been able to do any other type of background/assets check regarding the driver of the other vehicle? If not, you would want to do so. Please feel free to call us so that we can let you know how we may be able to help you navigate this claim.