Who will be responsible for covering my medical costs after my car accident in Florida?

Personal injury protection (PIP) is the primary insurance in the state of Florida and covers 80% of your medical expenses, up to $10,000. Otherwise, health insurance would act as a secondary insurance, alongside any Med Pay. However, health insurance and Med Pay have the right of subrogation, which means that if there is a recovery from a third party, the insurance company is entitled to be repaid for the amount they paid. Alternatively, physicians may agree to a letter of protection (LOP), where they delay immediate payment with the understanding that they will be paid from any compensation you receive from the liable party or uninsured/underinsured motorist (UM/UIM) coverage. If there is no recovery, you still remain responsible for these medical bills.

If you’re involved in a car accident in Florida, your medical expenses will be covered by your own auto insurance policy. The coverage responsible for this is known as PIP, or Personal Injury Protection. It’s important to note that most insurance policies have a deductible of $1000 under PIP. Additionally, PIP only covers 80% of your medical bills rather than the full amount. Lastly, keep in mind that PIP has a maximum payout limit of $10,000.

Your personal injury protection benefits will cover 80% of the initial $10,000 for your medical expenses. Once you have completed your treatment, your legal representative will file a claim to the party at fault for reimbursement of both your outstanding previous medical expenses and any future medical costs.