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Trial Pro P.A. is proud to advocate for accident victims all over the state of Florida, including from our Central Florida office in Orlando. Our dedicated experienced personal injury attorneys handle a range of legal matters, from employment disputes to auto accidents claims. We can use our knowledge and legal skills to help you not only achieve a favorable outcome but relieve the legal burden on your shoulders as well. Our entire team understands how challenging and confusing litigation can be, which is why we are here for you through every step of the process.

The Trial Pro, P.A. attorneys, carry more than a century of collective legal experience and decades of working together as a team. We have represented hundreds if not thousands of people who have been injured due to car accidents, slip-and-fall, worker's compensation cases, and more. One thing that is clear to us is the essence of partnership. Without it, Trial Pro, P.A. could not be as effective in attaining success for our clients.

How are Medical Bills Covered While The Claim Is Pending?

Frequently Asked Questions - How are Medical Bills Covered While The Claim Is Pending?

How are Medical Bills Covered While The Claim Is Pending?

The State of Florida is a No-Fault State.  No Fault means that regardless of whether you are responsible for an automobile accident or not, your insurance company has the responsibility to pay up to $10,000.00 of your medical bills.  Personal Injury Protection (PIP) coverage is required by Florida law.  In order to have a valid automobile insurance policy in the State of Florida, you are obligated to purchase personal injury protection coverage which is limited to $10,000.00.  You can also opt to purchase Med-Pay coverage; however, if your insurance company pays your medical bills from your Med-Pay policy, your auto insurance company has a right to place a subrogation lien on your settlement and will request reimbursement of any amounts paid be returned to them from your settlement proceeds.  Personal Injury Protection covers your medical bills, mileage to and from the doctor’s office, any prescriptions you have paid out of pocket and lost wages at 60% reimbursement.  Personal injury protection pays 80% of your medical bills and you are responsible for paying the remaining 20%.  Your treating provider has 30 days from the date of treatment to submit your medical bills to your auto insurance carrier.  If the bills are not submitted within 30 days of treatment, your insurance carrier has the right to refuse to pay the bill.  If the bills are submitted timely, your insurance carrier pays 80% of the bill.  Once the $10,000.00 personal injury protection coverage has been exhausted, your insurance carrier is no longer responsible for paying any additional medical bills. 

If you have private health insurance, Medicare, Medicaid or any other form of medical insurance available to you, your health insurance carrier could pay any additional medical bills not covered by personal injury protection coverage.   Health insurance carriers are not responsible for paying any medical bills until your personal injury protection coverage has been exhausted.  If your health insurance carrier pays any medical bills relating to an accident claim which will result in a settlement to you, your health insurance carrier has the right to subrogate their damages.  This means that your health insurance carrier can place a lien on your case with either your attorney or the at fault auto insurance carrier directly and will seek reimbursement for any medical bills paid out of your settlement.  In some cases, your health insurance carrier will reduce the amount of their lien if they are asked to do so, but they are not required to. 

If you do not have health insurance coverage, any outstanding medical bills will be paid from your settlement.  If you have an attorney working on your auto accident claim on your behalf, quite frequently, your attorney is able to work with your treating provider and ask for a reduction of your medical bills in order to maximize the amount of money you will receive in your pocket from your settlement. 

If you are a pedestrian who is struck by a motor vehicle, your own personal auto insurance carrier is responsible for paying your personal injury protection coverage from your policy, per Florida law.  If you do not own a vehicle with a valid insurance coverage policy, you are entitled to use the auto insurance coverage of any relative that resides in your household.  If you do not have a relative that resides with you that owns a vehicle with valid auto insurance coverage, the vehicle that hit you will be responsible for paying your personal injury protection coverage from their own policy.  This applies to bicycle accidents also.  The same amount of coverage applies to you whether you use your own personal injury protection or the coverage under the vehicle that hit you. 

Once your personal injury protection coverage is exhausted, if you do not have health insurance or do not wish to use your health insurance, your medical provider may request that your attorney sign a letter of protection.  A letter of protection is a contract which is signed by you, your medical provider and your attorney.  The letter of protection states that your treating provider will perform your necessary medical treatment and will hold your medical bills until your case has settled.  Once your case has settled, your attorney will work with the medical providers to make arrangements to pay your balance from your settlement.  Many providers will take a reduction on the balances.  

If you were treated at a hospital, hospitals have no obligation to hold your account balance until your case settles and unless they are willing to sign a letter of protection, your attorney has no legal way to prevent the hospital from sending your account to a credit collection agency.  In order to avoid having your medical bills sent to collections, most hospitals will accept a very minimal payment arrangement.  Frequently they will accept as low as $10.00 per month to keep your account open and once your case has settled, your attorney can pay the remaining balances out of your settlement proceeds.  If you have no personal injury protection coverage available to you and no health insurance coverage, the hospital can place a lien against you personally with your county comptroller and will remove the lien once the bill has been paid.

After your accident, you have 14 days to seek medical treatment in order to qualify for the full $10,000.00 in personal injury protection coverage.  If you do not treat with a medical provider within 14 days of the accident, your insurance company has the right to provide only $2,500.00 in personal injury protection coverage.  You must also qualify for an emergency medical condition, which can be diagnosed by an ER physician, registered nurse, or qualified medical doctor.  To meet the qualifications of the emergency medical condition, you must have serious jeopardy to your health, serious impairment to your bodily functions or a serious dysfunction of any bodily organ or part.  If you do not meet these qualifications, your insurance carrier can deny your PIP claim and only provide $2,500.00 in personal injury protection coverage.  If you believe you meet the qualifications for an emergency medical condition but your insurance carrier has refused your full personal injury protection claim, your treating medical provider or attorney can file a PIP suit.  This means that an attorney can challenge the insurance company’s findings and can ultimately sue them for your full personal injury protection coverage. 



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We are dedicated to fully serving you to every degree. We vow to make the entire process of working with us as easy and as stress-free as possible. Therefore, we are more than happy to meet with you at your home, place of employment, hospital room, or other location that you find more convenient. You are always welcome to come into our office as well. Contact us Today!

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Car Accident Attorneys

With more than a century of collective legal experience and a commitment to hard work, excellence, and integrity, we have recovered millions of dollars in damages on behalf of our clients.
Our goal is to enable our clients to sit back and focus on their recovery, knowing that the team at Trial Pro, P.A. has the experience and resources to effectively handle all of the legal details involved in their case.

Personal Injury Law

We put our knowledge and legal abilities into action to assist you to attain a positive outcome and ease the legal stress from your shoulders simultaneously. Trial Pro, P.A., holds a reputation for achieving real success for clients. Please leave it to us to fight wisely but aggressively.

Car Accident Attorneys

Experiencing a car accident can be frustrating and scary, but our promises to you are fully authentic. Trial Pro, P.A.'s injury attorneys, do not under-deliver. Instead, we do everything in our capabilities to go above and beyond your expectations.

Slip and Fall Accidents

Our objective is to enable our clients to relax and concentrate on healing, recognizing that the legal professionals at Trial Pro, P.A. holds the knowledge and resources to adequately tackle all the legal and financial specifics associated with their dispute.

What Our Clients Say

What Our Clients Say About Our Personal Injury Attorneys

"From the beginning we knew we were in good hands."
Clarence,
Personal Injury Case
Trial Pro got me $491,000
"I wouldn't be where I am today without Trial Pro."
Clarence,
Personal Injury Case
Trial Pro got me $998,000
"Trial Pro satisfied client 2021"
Client,
Car Accident Case
Trial Pro got me $1,900,000
"We are really glad that we choose you guys to represent us."
Nicole,
Personal Injury Case
Trial Pro got me $1,000,000
"Trial Pro makes sure you get what you deserve."
Ashley,
Personal Injury Case
Trial Pro got me $795,000
"Trial Pro satisfied client 2021"
Client,
Car Accident Case
Trial Pro got me $1,510,000
"When I hired Trial Pro, I didn't have to worry about anything."
Mark,
Motorcycle Accident Case
Trial Pro got me $810,000

Our Personal Injury attorneys have been featured in numerous publications

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Personal Injury Attorneys

Committed to Your Personal & Financial Recovery


Our goal is to make the process as easy as possible for you. You don't even have to come into our office if you cannot travel or adjust your schedule to make it to us. We're more than happy to come to you!

In addition to traveling directly to our clients, the team at Trial Pro, P.A. also pledges to provide clear advice and regular client communication. We know how vital regular contact with our clients is - we never leave you hanging or delay our responses. 

Mobirise

Orlando Personal Injury Attorneys

After experiencing an automobile accident, the last thing you desire is to have an attorney at hand that doesn’t know how to represent you adequately. You want a reputable law firm that will.

Serious Representation
We put our knowledge and legal abilities into action to assist you to attain a positive outcome and ease the legal stress from your shoulders simultaneously. Trial Pro, P.A., holds a reputation for achieving real success for clients. Please leave it to us to fight wisely but aggressively. 
Unmatched Case Results
Experiencing a car accident can be frustrating and scary, but our promises to you are fully authentic. Trial Pro, P.A.'s injury legal attorneys, do not under-deliver. Instead, we do everything in our capabilities to go above and beyond your expectations. 
Committed to Our Clients
It would help if you didn't have to beg for a call back from your attorney. It would be best if you didn't have to beg for an update on your case. At Trial Pro, P.A., we don't operate in that manner. We constantly call our clients to give them updates on their claims. If we miss a call, we promise always to return it.
Compassionate In & Out of Court
Our objective is to enable our clients to relax and concentrate on healing, recognizing that the legal professionals at Trial Pro, P.A. holds the knowledge and resources to adequately tackle all the legal and financial specifics associated with their dispute.

Pursuing Client Victories

Based in Florida, Trial Pro, P.A. represents clients across Florida from our offices in Miami, Orlando, Ft. Myers, Naples, Delray Beach, Jacksonville, and Daytona Beach. We are dedicated to fully serving you to every degree. We vow to make the entire process of working with us as easy and as stress-free as possible. Therefore, we are more than happy to meet with you at your home, place of employment, hospital room, or other business that you find more convenient. You are always welcome to come into our office as well.

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 Our Locations

Trial Pro P.A. is proud to advocate for accident victims all over the state of Florida. Our dedicated, experienced personal injury attorneys handle various legal matters, from employment disputes to auto accidents claims. We can use our knowledge and legal skills to help you not only achieve a favorable outcome but relieve the legal burden on your shoulders as well. Our entire team understands how challenging and confusing litigation can be, which is why we are here for you through every step of the process.


Trial Pro P.A. Orlando Office

  (407) 300-0000

 250 N Orange Ave 14th Floor
Orlando, FL 32801


Trial Pro P.A. Tampa Office

  (813) 522-5444

 1000 N. Ashley Drive, Suite 512
Tampa, FL, 33602


Trial Pro P.A. Naples Office

  (239) 300-0000

 870 111th Ave N #1
Naples, FL 34108


Trial Pro P.A. Fort Myers Office

  (239) 400-5000

 9341 Marketplace Rd
Fort Myers, FL 33912


Trial Pro P.A. Melbourne Office

  (321) 586-2088

 2551 W. Eau Gallie Blvd., Suite 102
Melbourne, FL, 32935

Contact Info

250 N Orange Ave, 14th Floor

Orlando, FL 32801

help@trialpro.com

(407) 300-0000


Our law firm fights aggressively -- always determined to win your case. 

Trial Pro, P.A. Car Accident Attorneys

Trial Pro, P.A.

The information on this website is for general information purposes only. The Information presented at this site should not be construed as formal legal advice nor the formation of an attorney-client relationship. For medical advice and treatment, you should contact a licensed medical professional.