Stepping outside the state's no-fault system swings the door wide open to other forms of damages you may be able to recover. This happens when the damages you can recover under the no-fault system may not fully compensate you for the extent of your injuries and losses.
In Florida, you can step outside this system if your injuries and losses are worth over $10,000. It won't matter whether or not you suffered serious injuries.
By filing a lawsuit against the other party, you can recover both economic and non-economic damages up to the limits specified in their insurance policy. These include but are not limited to compensation for:
the physical and emotional pain, suffering, and mental anguish caused by the car crash.
The emotional distress, such as anxiety, depression, or post-traumatic stress disorder (PTSD), you suffered due to the accident.
the loss of enjoyment of life, preventing you from participating in activities or hobbies you once enjoyed.
permanent disfigurement or scarring.
loss of consortium, if the car crash had an impact on your relationship with your spouse, resulting in a loss of companionship, affection, intimacy, or both.