In Florida, with some insurance, when the insurance pays your medical bills or pays you lost wages following an accident, you may have to pay it back pursuant to statute (law) or the terms of the agreement, assuming you sue a third party and recover monies. With Florida PIP insurance, the law does NOT allow subrogation of medical bills or wages paid through Personal Injury Protection or PIP. Thus, you generally DO NOT have to pay back your car insurance for the monies that is paid towards your medical bills and wages BY PIP. However, please note that if you have medical payment coverage in addition to PIP, your insurance company MAY be entitled to be paid back FROM YOUR SETTLEMENT. This depends on whether your insurance company has a subrogation provision in their policy and thus is case to case and the insurance policy/contract must be reviewed. Also, if you are in an accident in Florida but there is PIP coverage from another state that applies to you and it pays some of your medical bills, then a different set of rules very well may apply.
