Florida is a no-fault car insurance state. That means all drivers have to carry a minimum amount of insurance to cover their own losses if they’re in a car accident. Florida law 627.736 says that no-fault insurance policies must pay 60 percent of lost income and earning capacity damages up to the policy limits.
You can collect this compensation directly from your insurance company. However, you should still consult with a Florida attorney because no-fault policy limits are often far too low to compensate you for your lost wages adequately.