In the state of Florida, you can most likely sue your own car insurance company for pain and suffering if you have been involved in a car accident. If you are able to prove that the other driver was at fault for the accident and that you suffered injuries as a result, you may be able to recover compensation from your own insurer. This is because Florida is a no-fault state, meaning that each driver's insurance company is responsible for their own policyholder's damages, regardless of who was at fault for the accident. However, there are some exceptions to this rule. If your injuries meet certain criteria, such as being permanently disfigured or requiring surgery, then you may be able to file a claim against the at-fault driver's insurance company in addition to your own.