Who pays my medical bills after a car accident in Florida?

The order surprises people, because the at-fault driver's insurer is last rather than first.

PIP pays first. Your own no-fault coverage covers 80 percent of medical expenses up to the limit — $10,000 with an emergency medical condition determination, $2,500 without.

Then health insurance, if you have it. It typically covers treatment after PIP is exhausted, subject to deductibles, copays, and its own reimbursement rights.

Or a letter of protection, where a provider agrees to treat and be paid from any settlement. Covered separately below.

The at-fault driver's insurer generally pays nothing along the way. It pays once, at settlement or judgment, in a lump sum covering everything. There's no mechanism to make it pay bills as they arrive.

What that means practically. You will be receiving bills, and possibly collection notices, while the claim is pending. That's normal and it's not evidence the claim is failing.