How Personal Injury Protection (PIP) Works with Private Health Insurance

After a car accident in Florida, your first priority should be getting medical treatment. But once the bills start coming in, many people ask me the same question:

“Do I use my car insurance or my health insurance to pay for this?”

It’s a fair question—and the answer depends on Florida’s no-fault system, specifically something called Personal Injury Protection, or PIP.

If you’re feeling confused, don’t worry. I’m going to break down how PIP works, how it interacts with private health insurance, and what you should know to avoid paying more than you have to.

What Is Personal Injury Protection (PIP)?

In Florida, every registered vehicle owner is required to carry at least $10,000 in PIP coverage. This is part of the state’s no-fault insurance system, which means:

• Your own PIP pays for your medical bills and lost wages—regardless of who caused the accident.

PIP covers:

• 80% of medical expenses (up to the policy limit)

• 60% of lost wages

• Mileage to/from treatment and some related expenses

To qualify for PIP benefits, you must seek treatment within 14 days of the accident.

When Does PIP Apply vs. Health Insurance?

Here’s how it works:

✅ PIP Pays First

Your PIP coverage is primary. That means your car insurance pays before your health insurance does.

Doctors who treat accident victims often bill PIP directly. If your bills exceed the $10,000 limit, or if certain treatments aren’t covered under PIP, that’s when your health insurance may kick in—as secondary coverage.

✅ Health Insurance Comes Second

Once PIP is exhausted, your private health insurance (if you have it) may cover additional medical costs—depending on your plan, deductibles, and network providers.

What About Out-of-Pocket Costs?

Even though PIP covers 80% of medical expenses, that leaves 20% for you to cover—plus any amounts beyond the $10,000 cap.

That’s where Medical Payments coverage (MedPay) or health insurance can help bridge the gap. Some providers may also agree to delay collecting payment until your personal injury claim is resolved—this is called working on a lien.

As your attorney, I’ll help coordinate with providers and negotiate these terms when needed.

What If I Don’t Have Health Insurance?

If you don’t have private insurance, don’t panic. You may still have options:

• Medical providers experienced in accident care may accept letters of protection (promises to pay from your settlement)

• You may qualify for additional insurance coverage through the at-fault driver (like bodily injury liability)

• We can pursue compensation from your own uninsured/underinsured motorist policy, if available

Bottom line: you don’t need to navigate this alone.

Can I Choose to Use My Health Insurance Instead of PIP?

In Florida, no—you can’t bypass PIP. It’s legally required to be used first. If you try to use health insurance before exhausting PIP, most providers will deny those claims or bill you directly.

Once your PIP is used up, then your private health insurance can step in.

Final Thoughts

Understanding how PIP and health insurance work together can save you money, reduce stress, and help you make smart decisions after a crash.

If you’ve been injured and aren’t sure who should be paying your medical bills, call Chatenka Injury Law for a free consultation.
I’ll review your insurance, explain your rights, and make sure you’re not leaving money on the table—or paying out of pocket when you shouldn’t be.