Reason 1 - (It's the law)

The law requires that you use your auto insurance first before all other types of insurance (even before workers' compensation) Comea v. Safeco Ins. Co. of America, 356 So.2d 790 (Fla. 1978): Davis v. Travelers Indemnity Co., 356 So.2d 794 (Fla. 1978). If you use other insurance or benefits, use it only to pay those medical bills left over after your auto insurance is all used up first.