No Fault's purpose was to make sure everyone would be treated if injured by an auto in Florida. Prior to the no fault law one who was injured by someone else would still be liable for medical bills and courts were their only choice to recoup from an at fault party. Sometimes that took years with no guarantee they would ever be reimbursed. Many injured would have a huge financial burden trying to pay medical and rehab bills. Many filed bankruptcy.
No fault will pay up to $10,000 medical, loss wages and household expenses. The new law states that one must see a Doctor within 14 days to determine injury. This law was passed to try and prevent fraud which has totally gotten out of hand in Florida. Medical payment coverage pays in additional to no fault.
If the other party who is at fault and does not have sufficient Bodily Injury limits to pay over and above your no fault limits then you collect under your uninsured/ underinsured motorist limits.
It is true that many doctors do not treat patients who are filing under their no fault which is required by law. However, if your insurance company and agent can not help you find a Doctor then you should look for another company.
Last thing to pay after all auto limits have been exhausted is your health insurance.
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