Canadian Injured in a Florida Car Accident - Does Car Insurance or OHIP Cover my Hospital Bill? Lawyer for Canadians Injured in Florida Discusses Your Options.
If you are a resident of Ontario Canada and you were involved in a car accident or motorcycle accident while visiting Florida, you may be wondering how your medical and hospital bills will be paid. Hospital bills in Florida can be extremely high following a serious motor vehicle accident. If you purchased Travel Health Insurance, you will likely be covered for all or most of the health care expenses. If you didn't specifically purchase Travel Health Insurance, but you have other available extended health coverage through a work benefits program, you should check to see if it includes Health Care coverage while travelling. Some benefit plans through employment, provide Health Care coverage when you travel abroad. OHIP will usually only pay for a small portion of the expenses incurred in the United States. You may also have coverage available through your own automobile insurance policy. Ontario auto insurance policies provide benefits even if you're involved in an accident while out of your home Province, including accidents in the United States. These benefits may be available to you, even if you weren't driving your own vehicle when the accident occurred. In some circumstances, you could also be entitled to Florida PIP coverage. These coverages are in addition to any claims you may have against an at-fault driver for causing the accident. That is, the health insurance coverages may be available to you irrespective of fault.
If another driver or vehicle is at fault and responsible for causing your injury, you may be entitled to advance claims for additional compensation. These claims are also, usually, covered by an insurance policy. Often there are insurance claims both in the United States and in Ontario when a Canadian (Ontario) resident is injured in Florida. The minimum auto insurance policy limits in Florida are substantially lower than in Canada. Good news for Ontario residents, your Ontario auto policy protects you from underinsured or uninsured motorists even while travelling in the United States.
If you have any questions about your rights to claim compensation for your injuries and losses, including medical expenses, call us any time for a Free Consultation. Attorney Andrew Iacobelli practices in Florida and Ontario, with offices in Palm Beach County Florida. Call us 24/7 at 561-625-6133 or toll free at 1-866-234-6093 or request a Free Consultation online now.
Andrew Iacobelli is an experienced personal injury lawyer who established Iacobelli Law Firm with offices located in Ontario, Canada and Florida, U.S.A. Andrew restricts his practice to the representation of personal injury victims in claims involving serious injuries and wrongful death in Canada and the United States. Andrew is the author of "Are You a Canadian Injured in the United States? Claim the Damages and Insurance Coverage the Right Way".
Leave a Reply.
Andrew Iacobelli is a lawyer, licensed to practice law in Florida, Michigan and Ontario. Andrew restricts his practice to the representation of individuals that have been seriously injured.