This is because Florida is a “no fault” insurance state. According to Florida law, even when you are in a car accident that someone else caused, you are required by law to submit your own medical expenses to your own automobile insurance company under your Personal Injury Protection (PIP) coverage. The individual who caused the accident and their insurance company is responsible for paying your medical bills. They are responsible for any lost wages that exceed your PIP policy. And they are responsible for pain and suffering if you have sustained a permanent injury.