The first step to determining who pays your medical bills after a car accident is determining whether or not your case falls within Florida’s no-fault system. All Florida drivers must purchase no-fault vehicle insurance. The insurance covers less serious injuries you might receive after a car accident.
The general rule is that each driver turns to their own auto insurance first to recover losses after a car accident, regardless of whether they were at fault or not.
However, if you suffer a severe or permanent injury that meets the definition of a qualifying injury under Florida law, you can bring a claim against the at-fault driver to recover your losses. Once you determine what type of case you have, you can determine who pays your medical bills.