PIP is the primary insurance in the state of Florida but pays only up to $10,000.00 to cover 80% of your medical expenses. Otherwise, health insurance would be a secondary insurance along with any Med Pay. However, health insurance and Med Pay have the right of subrogation which means if there is a recovery from a third party, the insurance company is entitled to be paid back or reimbursed for the amount paid. Or oftentimes, physicians would take a LOP where by they will forego immediate payment with the promise of being paid from any recovery you may obtain from the at fault party or UM/UIM. If there is no recovery, you are still responsible for these medical bills.