Florida is a no-fault insurance state that requires motorists to carry property damage liability (PDL) and personal injury protection (PIP) insurance policies to register a vehicle. Regardless of fault, you will need to file an insurance claim under your PDL and/or PIP coverage after a truck accident. In the event you are driving your parents’ vehicle, you should file a claim under their policy. Before you can take any legal action against a truck driver or trucking company for causing a truck accident, Florida law requires you to first exhaust your policy limits.