Florida has a no-fault insurance law that requires all drivers to carry personal injury protection on their auto insurance policies. If you are injured in an accident, you must report it to your insurance company to be compensated. Your PIP insurance will pay for your out-of-pocket expenses, lost wages, and medical bills up to your policy limits. However, you cannot recover damages for pain and suffering through your PIP insurance. Your PIP insurance will cover you, others who live in your home, or others who drive your vehicle. It also covers passengers who are injured in your accident. Under Fl. Stat. § 627.736, PIP coverage must be provided in the following minimum amounts: $10,000 in disability and medical benefits $5,000 in death benefits While you must file a claim with your insurance company, you can also file a claim against the at-fault driver if your injuries exceed the personal injury threshold. Under Fl. Stat. § 627.737, exceeding the personal injury threshold means that one of the following circumstances have occurred: • Loss of an important function • Permanent injury • Permanent, significant disfigurement or scarring • Death In addition to PIP, your auto insurance must also provide at least $10,000 in property damage coverage. However, you are not required to use your insurance to be compensated for damage to your vehicle. You can choose to file a claim for property damage with the at-fault driver’s insurance company or with your own insurance company. You can also file a lawsuit against the other driver to recover the cost of repairs.