Florida is a no-fault state, meaning if you’re in an auto accident and have proper auto insurance, you’re covered by personal injury protection (PIP) no matter who caused the accident. The Florida no-fault law requires you to use your insurance company to pay for medical expenses, lost income, and other damages related to your accident. The same applies to the other party. In some cases, however—such as permanent injuries, disfigurement, or loss of bodily functions—it is wise to speak with a personal injury lawyer and discuss filing a claim against the other driver to recover your total amount of damages. The same goes for people with extensive medical costs, high estimated future medical expenses, and substantial lost wages.