I was injured in a motor vehicle accident. Who pays my medical bills?
Most people are surprised to learn that in Florida, everyone’s own automobile insurance company is the primary insurance company for their own medical bills, no matter who caused the accident. This type of insurance coverage is called “Personal Injury Protection” and is also known as “PIP” or “No-Fault” insurance. Motor vehicles registered in Florida are required to have Personal Injury Protection insurance in the amount of $10,000 per person, which covers the owner of the car and their family for 80% of medical bills and 60% of lost wages. The portion of the medical bills and lost wages that are not covered by the injured person’s Personal Injury Protection insurance becomes a component in their claim against the person who caused the accident, but the at-fault party’s insurance company will not usually pay the doctors and hospitals directly.