Who Pays Your Medical Bills After a Florida Car Accident?
If you’ve been in a car accident in Florida, one of the first questions you’re probably asking is:
“Who’s going to pay for all of this?”
Between the ambulance ride, ER visits, follow-ups, MRIs, chiropractors, and lost time at work — it adds up fast. And while you shouldn’t have to cover it all yourself, figuring out who actually pays can be confusing.
Let me break it down in plain English.
1. Florida’s PIP Insurance (Personal Injury Protection)
Florida is a no-fault state, which means your own auto insurance covers the first part of your medical expenses — no matter who caused the crash.
This is called PIP coverage, and it’s mandatory in Florida. It covers:
✔️ Up to $10,000 in medical expenses
✔️ Up to 60% of lost wages
✔️ Some reimbursement for mileage and prescriptions
But here’s the catch — it only pays 80% of medical bills, and that $10,000 doesn’t go very far if your injuries are serious.
2. What If Your Medical Bills Go Over PIP Limits?
If your injuries are significant — and let’s be real, most are — you’ll likely blow through your PIP benefits pretty quickly. That’s where we step in to go after the at-fault driver’s insurance.
If they have bodily injury liability coverage (BIL), we can file a claim to cover the remaining medical costs, pain and suffering, and other damages.
But not everyone has it — and that brings us to the next point.
3. Uninsured or Underinsured Motorist Coverage (UM/UIM)
If the at-fault driver has no insurance or not enough to cover your losses, your own UM/UIM coverage can kick in. This is optional on your policy — but it’s one of the most important types of coverage you can have.
If you’re reading this and haven’t checked your policy, go look — and if you don’t have UM coverage, add it. It’s worth every penny.
4. What If You Don’t Have Health Insurance?
Even if you don’t have health insurance, you’re not out of options. We work with providers who treat patients under a Letter of Protection (LOP) — meaning they get paid from your settlement, not out of your pocket.
You get the care now, and we make sure the costs are covered as part of your case.
5. How We Help You Through It All
We don’t just file paperwork and talk to insurance companies. We help:
Coordinate medical care
Track and organize your medical bills
Negotiate reductions so you keep more of your settlement
Make sure no one takes advantage of you
You focus on getting better — we’ll handle the rest.
Confused About Who’s Paying? Let’s Talk.
You shouldn’t be left holding the bill for someone else’s mistake. If you’re dealing with injuries, rising costs, and insurance confusion, call me. I’ll explain your options, answer your questions, and fight to make sure the right people pay what they owe.
— Aaron
