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Good news. If you are a Florida resident and have been involved in a car accident, your medical bills are automatically covered by your car insurance. Health insurance is not required and even if you have health insurance, it is secondary to your auto insurance for injuries sustained as a result of an auto accident. Most people don't realize this and your insurance company usually won't tell you unless you first tell them you are injured.
Florida is a "no-fault" auto insurance state, which simply means that no matter who caused the accident, your own auto insurance covers your medical bills. Your auto insurance is a form of health insurance in the case of an auto accident. If you are a passenger and don't have your own auto insurance, you are covered by the driver's auto insurance.
The State of Florida requires 2 particular types of auto insurance coverage. Even if you opt for the cheapest auto insurance policy available, your policy will still cover your medical care in the event of an accident. You are also required to carry liability insurance in case you accidentally cause an accident and are responsible for damage to another person's vehicle or property.
Coverage such as towing, rental vehicle, uninsured motorist, and higher policy limits usually cost extra. After an auto accident, be sure to assess your personal policy carefully. Claims adjusters are usually overworked and may not take the time to explain your coverage. Many accident victims, especially at-fault drivers, never seek treatment because they do not have health insurance and do not realize they have medical coverage through their auto insurance.
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