This is a common question that people ask following a car accident. Florida is a no fault state which means that your own insurance pays your medical bills following a car accident. The reason generally ascribed to answering this is that the lawmakers wanted to be sure that everyone had some insurance to pay medical bills and did not want the cause of the accident to dictate whether someone could get treatment and thus required all vehicle owners to have no fault or PIP (personal injury protection) to pay medical bills. Obviously, it would make sense for the other person’s insurance to pay the bills if they agree they are at fault but in fact your own insurance is primarily responsible for your medical bills at 80 percent up to $10,000.
In prior blog entries, it is discussed whether it is lawful or not for the insurance company to raise your rates for an accident that you are not at fault. Generally, the law says that it is not lawful to raise your rates for an accident that you make a PIP claim; however, if you are in three accidents within three years, then they are allowed to raise your rates.