Florida is another no-fault state that requires drivers to carry Personal Injury Protection (PIP) insurance. PIP insurance covers up to $10,000 in medical expenses, lost wages, and death benefits. Under Florida's no-fault system, drivers must file a claim with their own insurance company after an accident, regardless of fault. However, if an accident results in serious or permanent injuries, Florida drivers may be able to sue the at-fault party for damages and losses beyond what their PIP policy covers.