Car Accident Medical Costs in Florida
Florida is a no-fault state. PIP insurance is required with a minimum of $10,000. Minimum bodily injury limits are None required.
No-Fault System in Florida
Florida is a no-fault state. This means your own insurance (PIP) pays your medical bills and lost wages regardless of who caused the accident. To sue the at-fault driver for pain and suffering, your injuries must meet the state's "serious injury threshold."
How medical bills get paid in Florida:
- PIP pays first — up to $10,000 for medical bills + lost wages
- Health insurance covers excess bills (with subrogation rights)
- If injuries are serious enough, you may sue the at-fault driver
- At-fault driver's BI insurance pays through settlement if lawsuit threshold met
Florida Auto Insurance Requirements
| Bodily Injury (per person) | Not required |
| Bodily Injury (per accident) | Not required |
| Property Damage | $10,000 |
| PIP Required? | Yes — minimum $10,000 |
| UM/UIM Required? | No |
| MedPay Required? | No (optional) |
| Average Annual Premium | $2,878/year ($240/month) |
| Uninsured Motorist Rate | 20.4% (national avg: 15.4%) |
Note: PIP being REPEALED July 1, 2026 — shifting to $25K/$50K BI + $5K MedPay system
After a Car Accident in Florida
1. Seek medical attention immediately
Even if injuries seem minor, get evaluated. Many car accident injuries (whiplash, concussions, internal bleeding) have delayed symptoms. An ER visit (CPT 99285) averages $608 at Medicare rates but may cost $1,500-$3,000+ through commercial insurance.
2. File insurance claims
In Florida, file a PIP claim with your own insurer first. PIP covers up to $10,000 regardless of fault.
3. Document everything
Keep all medical bills, records, and correspondence. Medical costs are the foundation of your injury claim. Use our cost estimator to verify if your bills are reasonable.
4. Consider legal representation
With Florida's high uninsured driver rate (20.4%), there's a significant chance the at-fault driver has no insurance. An attorney can help you navigate UM/UIM claims and maximize your recovery.
Medical Procedure Costs in Florida
Medical costs in Florida are adjusted by CMS Geographic Practice Cost Indices (GPCI). View Medicare and estimated commercial rates for common car accident procedures in Florida.
View Florida Medical Procedure Costs →Florida Insurance Department
For official information about auto insurance requirements and consumer complaints in Florida:
Florida Office of Insurance Regulation