The big question after any major automobile accident most certainly is, who’s going to pay for my medical bills? Your insurance company would be the correct answer. That’s correct. In Florida, in almost every case, it’s actually your insurance company that pays the medical bills you acquire.
Florida is what’s considered a "No Fault" state.
What this means is that regardless of who is at fault, your insurance company pays the medical bills that accumulate due to the accident. The state of Florida has created this law for a good reason. If Florida were an “at fault” state, you would have to prove who's fault the accident actually was, and then once proven rely on the other parties insurance company to pay for your damages. This could take up to two years or longer. Going two or more years without medical care is simply unacceptable.
It’s a good idea to make a list of all the automobile policies in your household to be prepared for an accident. The reason this is such a good idea is because in Florida, if you don’t own an automobile or have coverage of your own a relative or residents insurance could cover your medical bills. The Florida laws regarding who pays your medical bills in an auto accident are complex, and this brief summary does not include all of the exceptions and/or nuances within the law. We advise you to seek professional legal assistance.