Author: Gary Drucker

Do all of my medical bills get paid by No-Fault Insuance in Florida?

Generally, in Florida, no-fault insurance (personal injury protection or PIP) pays 80 percent of medical bills, NOT 100 percent. Also, no fault PIP coverage pays up to $10,000 of medical bills. This is the minimum PIP coverage that the law requires. In my experience, this is the coverage that the vast majority of people in Florida purchase. However, it is possible to buy more than $10,000 of PIP and you can also buy something called medical payment coverage which pays the other 20 percent and any monies over and above the $10,000. Most commonly medical payment coverage is for $5,000 but sometimes it is for $10,000 or even more.

Why should my insurance pay the medical bills if everyone agrees that the other car is at fault for a Florida car accident? Why should my insurance have anything to do with it???

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.

I live with my uncle in Florida and do not own a car but I was in a car accident in my friend’s car; is it possible that my uncle’s car insurance is applicable?

Yes, in Florida, if you do not own a car but you live with a relative that owns a car, then that relative’s car insurance is generally responsible to pay your medical bills following a car accident. Everyone that owns a car in Florida has to carry certain minimal insurance. NO fault insurance or PIP pays your medical bills and any medical bills of a resident relative that does not own a car. Thus, even though you were not in your uncle’s car, his insurance will generally be responsible for your medical bills following an accident because you live with him.

I own a car in Florida but was involved in an accident in my friend’s car; I do not have to use MY insurance, do I?

In Florida, your OWN insurance pays your medical bills for any car accident that you are in. YOUR insurance follows when you are in a car accident, whether your are in your car, in someone else’s car, on a bike, or even walking. And who is at fault does not matter either. This is part of our no fault system as it pertains to car accidents. So long as there is an accident, your personal car insurance pays the medical bills following a car accident that you are involved in. Generally, the no fault or PIP (personal injury protection) pays 80 percent of the medical bills up to $10,000.