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.