What is an Emergency Medical Condition and how does it effect my insurance coverage after a car accident?
In Florida, when an accident happens, regardless of fault, your insured company, through your Personal Injury Protection (PIP) provision in your automobile insurance policy, will pay your initial medical bills if you get initial treatment within 14 days of the accident. Your insurance company will pay 80% of your initial medical bills up to a certain amount. If a licensed physician determines that you had an emergency medical condition, you will be entitled up to $10,000.00 in PIP benefits, otherwise, your benefits will be limited to $2,500.00. An emergency medical condition is defined as a medical condition manifesting itself by acute symptoms of sufficient severity, which may include severe pain, such that the absence of immediate medical attention could reasonably be expected to result in any of the following:
(a) Serious jeopardy to patient health.
(b) Serious impairment to bodily functions.
(c) Serious dysfunction of any bodily organ or part.
If you have any questions about what qualifies as an Emergency Medical Condition or how an Emergency Medical Condition can effect your insurance after a car accident, call the lawyers at the Ruth Law Team.