Whose insurance might pay my medical bills?
Florida personal injury protection (PIP) may cover part of your medical expenses before fault is resolved. Which policy applies depends in part on whether you own a vehicle and whether you qualify for coverage through a relative you live with.
- If you own a vehicle that requires Florida PIP, start by checking your own auto policy, even if you were riding in someone else’s car.
- If you don’t own a vehicle that requires Florida PIP, check whether a policy held by a relative you live with covers you. If you aren’t entitled to PIP elsewhere, the policy on the car you rode in may apply, subject to Florida’s eligibility rules.
For PIP medical benefits, Florida law generally requires qualifying initial care within 14 days of the crash. Florida’s 14-day PIP guide
What if the person driving me caused the crash?
If your driver ran a red light or made an unsafe turn, a separate injury claim may involve that driver and any applicable bodily injury liability insurance. If another driver also contributed to the crash, their actions and insurance may matter too. Tell the firm if you live with the driver so it can review the relevant policies.
If a responsible driver has little or no bodily injury liability coverage, check whether uninsured or underinsured motorist coverage applies before accepting a settlement.
What should I save as a passenger?
- The driver’s name, who owned the car, where you sat, and what you remember seeing or feeling at impact.
- The crash report number, original photos or videos you have, and witness contact information.
- The date and location of your first medical visit, along with bills and letters from insurers.
- Any insurance company names or claim numbers you received, plus information about auto policies in your household.
If you were riding in a rental car, see what to do after a rental car injury in Florida for the additional records to save.
For more steps, see what to do after a Florida car accident. If the ride was booked through an app, see the Uber and Lyft accident page.
Contact Manny Arce with the date, location, and a brief description of the crash. Ask the firm how to share medical records or other sensitive documents securely.