Florida is a no-fault insurance state, which means your own Personal Injury Protection (PIP) coverage pays for initial medical bills and lost wages — regardless of who caused the crash. However, PIP only covers 80% of medical expenses up to $10,000. When injuries are serious — broken bones, herniated discs, traumatic brain injuries — you have the right to step outside the no-fault system and file a claim against the at-fault driver for full compensation.