How Does Florida No-Fault Work?
First Step is to Report the Claim:
- Report the accident to your insurance company and get a claim number, you will need this for your No-Fault medical benefits.
- Make sure the accident is reported to the at-fault party’s insurer. Briefly describe the facts of how the accident occurred, but do not discuss your medical condition or treatment with them. Your attorney should be the person who communicates your medical information to them.
- Your insurer may require you to give them a statement under your policy terms. Advise your company you are willing to give them a statement; however you would like your attorney to be present for the meeting.
- There is no requirement to give a statement to the other party’s insurance company, therefore do not give them a statement (recorded or non-recorded) until you speak with your attorney.
About Lost Wages:
- No-Fault also pays 60% of your average weekly wage if you are unable to work (get a doctor’s order taking you off work). Remember, both medical expenses and lost wages will be taken from the No-Fault coverage (typically a $10,000 limit). If you will be out of work for an extended period of time, it is possible to set-aside a part of the $10,000 specifically to pay your wages while you are out of work, assuming there are No-Fault benefits remaining.
About Medical Treatment:
- No- Fault is not fault based. It pays your medical bills whether you or the other person caused the accident.
- Every car is required to have $10,000 in benefits per person.
- It pays 80% of covered expenses (subject to any deductible and the fee schedule).
- You go to the hospital, doctor, chiropractor or other medical provider of your choice, no pre-approval required. Give them the claim number you obtained from your insurer for them to bill.
- If you own a car insured with No-Fault, your policy will be primary and will pay your bills even if you are a passenger in a friend’s car or are hurt as a pedestrian.
- In the most serious situations, No-Fault will pay $5,000 as a death benefit.
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