Florida law requires that every registered vehicle have no-fault insurance, except for motorcycles. Additionally, if a non-resident is in Florida for more than 90 days of the previous 365 days, the non-resident must obtain no-fault coverage. However, a vehicle owner can opt to provide “security” via a surety bond or by providing a certificate of self-insurance from the Florida Department of Highway Safety. People rarely use this form of “insurance,” as it is more difficult to use and more expensive than buying insurance. The Pros and Cons of No-Fault Motor Vehicle Insurance No-fault insurance allows people to deal with their own insurance company after an accident. They don’t have to worry about proving fault, which means they do not have to prove their injuries. Personal injury protection (PIP) covers medical expenses and lost wages, and the injured person receives compensation faster. However, insurance laws limit personal injury protection via the amount and the type of damages you can recover. You cannot file a personal injury lawsuit against the at-fault driver to recover damages such as quality of life and pain and suffering if your injuries are not permanent. Another disadvantage of no-fault insurance is that premiums are often higher because no-fault insurance pays for more types of medical services than states with a tort system for insurance.