The quick answer is “No.”  In Florida, if you are injured in a car crash, your automobile insurance company will be the primary payer of any medical bills you incur related to your car accident — up to $10,000.00.  This coverage is called Personal Injury Protection coverage (also called “PIP” or “No Fault”).

In Florida, most Personal Injury Protection insurance will pay 80% of any doctor bills you incur, provided that the medical service was related to your automobile accident, reasonable, and necessary.

I recorded a short video explaining how this works, here:

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