Most insurance policies look at who is at fault for the damages to be paid for and make their settlement decisions based on this factor. However, there is also no fault insurance, which has the opportunity to pay out, regardless of who is at fault. Car insurance personal injury protection in Miami is one example of this. So what is this type of insurance and how does it work?
What Is a No Fault Policy?
If an individual carries car insurance personal injury protection in Miami, they may not be able to go after the person at fault in the accident unless their medical bills exceed a certain amount. However, when drivers have this type of no fault insurance policy, they will be able to place a claim to their own insurance company to pay for medical bills up to a certain threshold. In some cases, they may also pay a portion of lost wages.
How Does It Work?
Car insurance personal injury protection in Miami is capped at $2,500 for most injuries and $10,000 for those that are deemed severe. However, the bills are first sent to the patient’s health insurance provider. The personal injury protection plan will then provide benefits to the medical care provider for the portion not paid by the health insurance up to the capped amount. Insured parties will then be responsible for paying you the remainder of the treatment costs. No fault needs to be determined for these benefits to be paid.
Getting paid for medical services rendered is critical. With car insurance personal injury protection in Miami, individuals can pay for their medical care, regardless of who is at fault.
