Joe is injured when the jack slips as he is changing a tire in his driveway. The ER bill is $450. Where will Joe go first to collect for his medical expenses?

• A. Worker's Compensation
• B. His PIP insurance
• C. His homeowner insurance
• D. His health insurance

Answer: (B)

In Florida, medical expenses from a motor vehicle incident are first paid by Personal Injury Protection (PIP) coverage, regardless of fault. Because Joe was injured in an auto-related incident, his auto insurance PIP would be the initial source of payment for the ER bill. The amount is small and should be covered under PIP up to its limits, making it the correct first payer. Workers’ Compensation isn’t involved here since the injury happened outside of work, homeowner’s insurance typically doesn’t cover auto-related medical expenses, and health insurance would come into play only after PIP has paid or if PIP limits are exhausted.