Typically, your medical bills will be paid with your Personal Injury Protection (PIP) through your car insurance policy first. PIP covers 80% of all necessary and reasonable medical expenses up to the limits of coverage for bodily injuries sustained as a result of an auto accident. The State of Florida requires that every car owner has a minimum of $10,000 of PIP. Any remaining medical expenses would be paid through the patient’s own health insurance; however, some people may also have Medical Payments Coverage (MedPay). MedPay is elective insurance that would apply to an insured’s medical treatment for auto accident injuries. It is important, however, to read your insurance policies so that you know which insurance would pay your medical expenses first, your personal health insurance or MedPay. Also, any expenses not covered by insurance would be your responsibility to pay