If you or someone close to you has just been through a car accident in Florida and is now facing the possibility of surgery, you’re probably feeling overwhelmed. Between managing pain, juggling doctor visits, and worrying about mounting medical bills, it’s completely normal to feel unsure about what to do next. One of the biggest questions on your mind might be: Can I recover the cost of surgery through a car accident claim?

The short answer is yes, you may be able to recover surgery costs, but how that happens depends on several factors. This article will walk you through what you need to know, clearly and compassionately so you can focus on healing.

Understanding Florida’s No-Fault Insurance System

Florida is a no-fault state, which means your own car insurance policy’s Personal Injury Protection (PIP) coverage pays for your initial medical bills regardless of who caused the accident.

What PIP Covers:

• Up to $10,000 in medical expenses
  
• Emergency medical treatment
  
• Follow-up care (to a limited extent)
  
• Lost wages (up to a percentage)
  

Important Note:

Surgery costs can easily exceed $10,000. PIP will likely only cover a portion of your bills. This is where the next step matters.

When You Can File a Claim Against the At-Fault Driver

If your injuries are serious, requiring surgery, long-term care, or causing significant disability you may step outside the no-fault system and file a personal injury claim against the at-fault driver.

Qualifying for a Personal Injury Claim:

You may pursue compensation beyond PIP if you’ve suffered:

• Significant or permanent loss of a bodily function
  
• Permanent injury
  
• Significant scarring or disfigurement
  
• Death (on behalf of a loved one)
  

If your situation fits, you can seek full reimbursement for surgery costs, future medical care, lost wages, and even pain and suffering.

What Surgery Costs Can Be Recovered?

If successful, a claim against the at-fault driver (or their insurance) can help cover:

• Hospital and surgical fees
  
• Anesthesiologist charges
  
• Pre- and post-operative care
  
• Prescription medications
  
• Physical therapy and rehabilitation
  
• Transportation for medical visits
  
• Medical devices (e.g., crutches, braces)
  

You’ll need proper documentation, so keep records of every medical bill, diagnosis, and treatment plan.

Tips to Protect Your Right to Recover Costs

Here are key steps to take now:

1. Get Medical Attention Immediately

Even if you’re unsure how serious your injury is, get checked out and follow through with all medical recommendations. Delaying treatment could affect your health and your ability to claim costs later.

2. Document Everything

Start a file for:

• Surgery reports
  
• Doctor’s notes
  
• Bills and receipts
  
• Photos of your injuries
  
• Insurance communications
  

3. Don’t Settle Too Quickly

The other driver’s insurance may offer a quick payout but once you accept, you can’t ask for more later, even if new expenses arise. Wait until you fully understand your recovery needs.

4. Speak with a Florida Personal Injury Attorney

A licensed attorney can:

• Help prove the other driver’s liability
  
• Maximize compensation for surgery and other costs
  
• Handle stressful negotiations while you recover
  

You’re Not Alone

If you’re in pain, confused, or worried about the future it’s okay. These feelings are valid, and help is available. Medical providers want to help you heal. Attorneys can advocate for your financial recovery.

You don’t have to figure this out alone.

Next Steps

• Connect with a licensed Florida attorney through Hurt Aid to evaluate your case.
• Get guidance to trusted medical providers experienced in treating accident-related injuries.

We’re here to help you move forward with care, clarity, and confidence.