Whose Insurance Pays for a Car Accident in Florida?

The general understanding in Florida is that people must turn to their car insurance to pay for their medical bills after an accident. 

This is because of the no-fault car accident insurance system in the Sunshine State. As a Florida driver, it’s necessary to purchase and carry personal injury protection (PIP) insurance to pay for your own medical bills, no matter who is at fault in any accident you may be in. 

However, PIP might not be enough to cover all of your damages. If you’ve suffered severe injuries, the good news is that there might be a workaround to the no-fault system altogether. If you’re unsure if you qualify or unsure where to start with your claim, contact a Pensacola car accident lawyer near you.

How No-Fault Car Accident Insurance Works in Florida

Most of the time, Florida drivers are required by law to turn to their own PIP insurance to get reimbursed for their medical bills after a car accident. 

However, there’s a possibility that even if you have the maximum PIP coverage available, your damages may exceed your policy limits, or that the insurance company refuses to pay out what’s owed. In these cases, you may need to look beyond PIP insurance for help. 

Besides PIP, you might have MedPay supplemental coverage that covers a portion of your bills, followed by your regular health insurance plan. If all these fail to cover your losses, you could be stuck paying for bills out of pocket, which can get exorbitantly expensive. 

However, if you suffered serious injuries, such as catastrophic injuries or disfiguration, you may be able to file what’s called a third-party lawsuit directly against the party responsible for causing your injuries in the crash. 

In any event, you have a right to receive compensation for your injuries, whether through the PIP system or elsewhere. If you’re experiencing difficulties getting the benefits you need, speak to a car accident attorney for help. 

Call a Car Accident Lawyer Today

Have you suffered in a car accident in Florida? The car accident attorneys at Gross & Schuster, P.A. can help you navigate the insurance claims process.

Call us at 850-434-3333 or fill out the following contact form for more information.