Some people ask, why should my insurance company have to pay my medical bills if I didn’t cause the accident? That is a good question. In states where No-Fault is not required, an injured person must look to the driver that caused the accident to pay his medical bills. However, what if you were at fault and caused your own injuries? How do you pay for your medical bills if you did not have health insurance? Or, what if neither driver admits that they were at fault or the police can not determine who is at fault for causing the accident? Then no one has any of there medical bills paid until the question of who is at fault is settled. This could take a long time and may even require a trial to determine who is at fault.
The Florida legislature said we are not going to make people determine who is at fault before they can get medical treatment. The No-Fault system provides everyone who is in an accident with insurance coverage to pay a portion of their bills and lost wages. This is not a perfect system but it is the law in Florida. And you should have attorneys who understand these laws.