There are times when you may need to bring a legal claim based on Florida’s no-fault laws. If the insurance company doesn’t agree to pay you what your claim is worth, you may need to bring the case to a courtroom. The case would be against your own insurance company or against the insurance company that should be covering your PIP benefits. Under the no-fault system, the claim isn’t based on fault. Instead, it’s a claim based on the insurance company’s failure to honor the terms of the PIP policy.