Generally, Florida no fault PIP (personal injury protection) pays for 80 percent of medical bills and up to $10,000. Thus, there is generally 20 percent of unpaid medical bills AFTER PIP pays. Plus, if you have more than $12,500 of medical bills (80 percent of $12,500 is $10,000), then any billing after that would be due and payable. Thus, part of the claim against the person that caused the accident would be for the 20 percent unpaid medical bills plus any of the medical bills that go over and above the PIP. And therefore part of the settlement is to pay those bills and are to be paid from the settlement/verdict.