Quick question? Why should my car insurance pay the medical bills if everyone agrees that the other car is at fault for a Florida car accident? Why should my car 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 car insurance pays your medical bills following a car accident (usually at 80 percent and it usually pays up to $10,000.00, which is the state required minimum insurance). 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.
