Who Pays
Medical Bills After a Crash?
If you drive a car in Florida, you are required to carry Personal Injury Protection (PIP), which covers your medical bills regardless of who caused the crash. Motorcycles are different. Under Florida law, motorcycles are not considered “motor vehicles” for PIP purposes. This means that unless you specifically purchased expensive, optional motorcycle PIP, you do not have that “No-Fault” safety net. If you’re in a wreck, you can’t look to your own auto policy for the first $10,000 in medical coverage.
Understanding PIP Exemptions for Florida Motorcyclists
Since there is no automatic PIP, medical expenses are typically handled through these three channels:
1. Your Health Insurance: Usually, private health insurance/Medicare/Medicaid becomes primary payer, but they require reimbursement later.
2. At-Fault Bodily Injury (BI) Coverage: We pursue the driver who hit you to cover costs (BI is not mandatory in FL).
3. Uninsured Motorist (UM) Coverage: The most important safety net if the at-fault driver is uninsured/underinsured.
When we take your case, we step in immediately to coordinate with doctors and insurance carriers so you can focus on healing, not collection calls.
