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Florida car accident should I treat under my health insurance for my automobile insurance? When a person is injured as a result of an automobile accident in the state of Florida they’re often questioned as to how medical bills will be good. Will it be paid through the injury victim’s automobile insurance or health insurance? In Florida, automobile insurance policies are required to have PIP otherwise known as Personal Injury Protection on the insurance policy. When a person is a victim in a Florida automobile accident and suffers personal injuries, Florida law provides that PIP coverage is primary to other forms of insurance. In other words, a person should first use their PIP coverage and then use the health insurance or other forms of insurance for additional insurance coverage or payment of medical bills. Personal Injury Protection (PIP) coverage typically will pay 80% of the medical bills submitted better reasonably related to an automobile accident. Because the laws and forms of insurance can be quite complicated, it makes sense for a person involved in a Florida automobile accident to retain the services of a Florida personal injury attorney for advice, consultation, and legal representation. It should be noted that not all Florida medical providers accept PIP insurance as a payment form for services provided. Because of this, it is even more in court to consult with a personal injury attorney to find out which doctors in the community accept PIP payments and which doctors are experienced in treating traumatic injuries associated with an automobile accident. For more information regarding automobile accident cases and claims in the State of Florida see Florida Automobile Accident. See also Florida Traffic Rules and Regulations – Frequently Asked Questions.