The at-fault driver's insurance company pays the settlement. However, if more than one person was at fault, Florida's comparative negligence laws apply.
Comparative negligence laws require all parties responsible to share costs after an accident. Suppose there were four drivers involved in your accident. The person driving the vehicle you were in is the only party who wasn't at fault. In that case, the other three drivers would share the cost of your settlement based on their percentage of fault. If an accident investigation determined one driver was 50% at fault, their insurance would cover 50% of the settlement or judgment.