Is an insurance company required to pay for medical expenses after a car accident?

In Florida, the answer to whether an insurance company is required to pay for medical expenses after a car accident depends on the type of insurance coverage carried by the policyholder. The state of Florida requires drivers to carry minimum liability coverage of $10,000 Personal Injury Protection (PIP) and $10,000 Property Damage Liability (PDL) coverage. With this coverage, medical expenses incurred in the event of a car accident are generally paid for by the insurance company, up to the maximum of $10,000. In addition to PIP and PDL coverage, drivers in Florida may also elect to purchase additional, optional coverage for medical expenses in the event of an accident. This coverage is typically referred to as Medical Payments Coverage (MPC) and may provide coverage up to an additional $1 million. It is important to note that this is not mandatory coverage, and that drivers must purchase this type of coverage specifically if they wish to have it. In conclusion, while Florida law requires drivers to carry minimum liability insurance for medical expenses in the event of a car accident, it is ultimately up to the driver to purchase optional coverage such as Medical Payments Coverage if they wish for their insurance company to pay for additional medical expenses.

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Is an insurance company required to pay for medical expenses after a car accident?

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