Who pays medical bills after a Florida car accident?

1. Personal injury protection (PIP)

PIP is first-party, no-fault coverage on a Florida auto policy. Under section 627.736 (2026), in general:

• Up to $10,000 in combined medical and disability benefits per person, subject to the statute's conditions.
• 80% of reasonable covered medical expenses.
• 60% of qualifying lost income (disability benefits).
• Initial services and care within 14 days after the accident, as a condition of PIP medical benefits.

These are general statutory rules, not what any particular policy will pay. See Florida PIP insurance explained and the PIP 14-day initial-care rule.

2. Health insurance

A health plan is a separate contract from auto insurance. Whether it applies to crash-related care, in what order, and on what terms depends on the plan's own documents.

3. Medical payments coverage (MedPay), when a policy has it

Florida DFS describes MedPay as coverage that pays reasonable expenses for necessary medical and funeral services from an auto accident, regardless of fault. Not every policy includes it; check your declarations page.

4. Bodily injury liability (another driver's policy)

DFS describes bodily injury liability as coverage that pays for injury to others when the insured is legally liable. It belongs to the at-fault driver's policy and is a separate claim from your own PIP.

5. Uninsured / underinsured motorist (UM/UIM)

DFS describes UM as coverage on your own policy for injury caused by an at-fault driver who has no bodily injury coverage or insufficient limits. See the UM/UIM overview.

6. Repayment, reimbursement and liens

Some health plans, government programs or providers include repayment or lien terms that can relate to a later recovery. Whether any applies depends on the specific plan, program and law, which this page does not address. Keep every explanation of benefits and letter you receive.

What to keep together

• Your auto policy declarations page and any health-plan card (kept privately, not in the intake form).
• Bills, explanations of benefits, and letters from any insurer.
• The crash report number — see the Florida crash report finder.