If you've been injured in a car accident that was someone else's fault, you'd expect their insurance company to pay your medical bills.
Indeed, you could get a settlement with the insurance company that includes reimbursement for your medical bills. But they're not going to write you a check every time you go to the doctor.
Any settlement from an insurance company would only come AFTER you're mostly recovered, no matter how clear it is that someone else is at fault for causing the accident.
So, how do you pay your medical bills before you get a settlement? In Florida, you start with your own auto insurance policy.