If you’ve been hurt in a car accident in Florida, you might be asking the same question most people do: who’s going to pay for all these medical bills? Between ER visits, follow-up appointments, and therapy, those costs add up fast. And while every accident is different, Florida’s no-fault insurance rules determine how medical bills get paid — at least at first.
Key Takeaways
- Florida is a no-fault state, so your own insurance pays for your initial medical bills
- Personal Injury Protection (PIP) covers up to $10,000 in medical costs and lost wages
- PIP only covers 80% of medical bills, not the full amount
- You can pursue the at-fault driver for additional damages beyond PIP limits
- Hiring a personal injury lawyer helps maximize your recovery and avoid footing the bill yourself
Understanding PIP Coverage in Florida
In Florida, every driver is required to carry Personal Injury Protection (PIP) insurance. After a crash, PIP will cover up to $10,000 of your medical expenses and lost income — regardless of who caused the accident. But here’s the catch: PIP only pays 80% of your medical costs and 60% of lost wages, which leaves you on the hook for the rest.
That’s why many accident victims are shocked when they still get bills, even after using their own insurance.
When the Other Driver Is At Fault
If your injuries are serious — and your damages exceed what PIP covers — you may be able to file a claim against the at-fault driver’s insurance. This is where pain and suffering, full wage loss, and out-of-pocket costs come into play. But proving fault and negotiating a fair settlement isn’t something you should take on alone.
Attorney Kevin Sullivan, based in Tampa, helps injury victims across Florida recover the compensation they need — including for unpaid medical bills, future treatment, and more.
Frequently Asked Questions
1. What does PIP insurance cover in Florida?
PIP pays up to $10,000 for 80% of medical expenses and 60% of lost wages, regardless of fault.
2. Can I still sue the other driver if I have PIP?
Yes, if your injuries are serious and your costs exceed what PIP covers, you can pursue the at-fault driver.
3. What happens if my medical bills go beyond $10,000?
You may need to rely on your health insurance or file a claim against the at-fault driver for the remaining balance.
4. Does PIP cover all types of medical treatment?
PIP covers reasonable and necessary medical care, such as ER visits, MRIs, and physical therapy — but there are restrictions.
5. Should I talk to a lawyer before filing any claims?
Yes. A lawyer can make sure your medical bills are handled properly and help you avoid financial surprises later.
This post was written by a professional at Kevin L. Sullivan II. Attorney Kevin L. Sullivan II is your auto accident attorney Largo and the best personal injury attorney near you for LeavenLaw. Kevin is proud to serve Florida accident victims that have been injured in auto accidents, motorcycle accident, slip and falls or have suffered any other type of injury caused by negligence. Kevin offers a FREE no-obligation consultation to discuss your claim. There are NO upfront fees or costs and if he does not collect for you, you do not owe him anything.
