| Question: | | | | get answers to your questions is to speak with |
| My family, mom, sister, brother, niece nephew | | | | an attorney in your area. |
| and myself had lunch at a local restaurant. It | | | | If you do not have insurance, you should contact |
| rained constantly that day and while at | | | | the restaurant to see if it has "medical |
| the restaurant. On the way out I slipped just as I | | | | payments" insurance coverage. Medical |
| entered into the foyer of restaurant, leaving out | | | | Payments coverage (medpay) is a portion of a |
| are two set out doors you go through to exit | | | | liability policy that will reimburse you for out of |
| the building. The manager came out (no one else | | | | pocket medical expenses if you get hurt at a |
| witnessed the fall but us) asked how I was and I | | | | business or property. Many homeowners have |
| said it was okay, more embarrassed then hurt at | | | | medpay as part of their homeowners insurance. |
| the time. This happened 3 days ago and am now | | | | Medpay is applicable no matter who is |
| feeling the pain. Can I ask the business to | | | | responsible for the fall. So, neither the business |
| provide doctor services due to not having any | | | | or its insurance company loses any negotiating |
| insurance? | | | | position by offering to pay its medpay. |
| Answer: | | | | However, medpay is not mandatory for |
| Kasiah, you can ask the business to provide you | | | | homeowners or businesses in Florida. Medpay is |
| with medical care, but I doubt the business will do | | | | also an additional coverage meaning not every |
| it. I have only run across that type of situation | | | | insurance policy has a medpay provision. You will |
| once - when a client slipped and fell at a hospital, | | | | need to check with the business to see if |
| the hospital agreed to provide some very limited, | | | | they have medpay. |
| initial medical care at their facility. Usually, the | | | | Another choice is to speak with an experienced |
| business is afraid they will be sued for the incident | | | | slip and fall attorney in your area. You may |
| so they will be very reluctant to give you any | | | | have a claim against the restaurant for your |
| assistance. | | | | injuries. If the accident injury lawyer agrees to |
| I am a Florida attorney specializing in car | | | | represent you, he/she may be able to arrange |
| accidents, slip and fall accidents, and other Florida | | | | for a doctor to treat you. The doctor's bill would |
| personal injury claims. The law in Florida | | | | then be paid out of any settlement proceeds |
| is different that other states so the best way to | | | | you receive from your claim. |