One of the most overwhelming parts of any car accident in Florida isn’t just the crash itself—it’s the stack of medical bills that seem to show up out of nowhere. Ambulance rides, ER visits, MRIs, follow-ups, physical therapy… it all adds up fast. And if you’re like most people, your first question is: Who’s paying for all this?
Florida’s No-Fault Insurance Comes First
Florida is a no-fault state, which means your insurance pays for your medical bills, regardless of who caused the accident. This comes through your Personal Injury Protection (PIP) coverage. It kicks in right away and typically covers:
- 80% of your medical expenses
- Up to $10,000 in benefits
- As long as you seek treatment within 14 days of the accident
Miss that 14-day window, and you could be stuck footing the bill on your own.
What Happens When PIP Isn’t Enough?
For anything beyond PIP’s $10,000 limit—and in more serious injuries, it often isn’t—you’ll need to look at other options. That could include:
- Your health insurance, which may cover additional treatment (though deductibles and co-pays still apply)
- A bodily injury claim against the at-fault driver, if your injuries meet the legal threshold
- Medical payments coverage or uninsured motorist coverage, if you added them to your policy
Hospitals May File a Medical Lien
If you can’t pay right away, some medical providers may file a lien against your settlement. That means they’ll get paid directly out of whatever you recover from your case. It sounds harsh, but it can give you time to get proper treatment without paying out of pocket upfront.
Why Legal Guidance Matters
The medical billing side of a car accident in Florida can get messy fast. Misfiled claims, surprise charges, insurance denials—they’re all common. Attorney Kevin Sullivan works closely with clients and their healthcare providers to make sure bills are handled the right way—and that your final settlement reflects the full extent of your medical costs.
If you’re buried under medical bills after a car accident in Florida, don’t try to sort it out alone. Call Attorney Kevin Sullivan at (813) 598-4868 and get help navigating both the legal and financial maze.
This post was written by a professional at Kevin L. Sullivan II. Attorney Kevin L. Sullivan II is your personal injury attorney Sun City Center FL, and the best personal injury attorney near you for LeavenLaw. Kevin is proud to serve Florida accident victims that have been injured in auto accidents, motorcycle accident, slip and falls or have suffered any other type of injury caused by negligence. Kevin offers a FREE no-obligation consultation to discuss your claim. There are NO upfront fees or costs and if he does not collect for you, you do not owe him anything.