Insurance: How it works with your doctor.

We have already talked about the required protection that Florida Law mandates for drivers. Essentially you have $10,000 of protection, but most insurance companies cover on a 80/20 basis. 

So out of pocket your potential responsibility is $2,000 to utilize the $10,000 protection. This money is not needed up front in most cases. As your being treated some doctors or facilities will make you pay a co-payment or deductible. 

Many doctors are going to let the 20% be paid after settlement if you have retained a attorney, if you haven't, many doctors will write off that amount. You need to speak to your doctor about which arrangement they use.