Florida is one of a dozen states to follow a no-fault insurance system. According to the Department of Highway Safety and Motor Vehicles (FLHSMV), anyone with a car registered in Florida must have $10,000 in no-fault Personal Injury Protection (PIP) coverage and $10,000 in property damage liability (PDL) coverage. If you sustain injuries from a car accident, you can use your PIP benefits to pay for your injuries, no matter who caused the crash. PIP benefits cover up to 80 percent of your medical expenses and 60 percent of lost wages after a crash. The PDL coverage pays for the damage you cause others. If your injuries from a car accident add up to more than $10,000, your options for recovering compensation depend on who caused the crash and how severe your injuries are. If you caused the crash, your insurer should cover your injuries up to the limits of your policy, though you may have to pay a deductible before they approve your claim. The process works differently if the other driver caused the crash. In this case, you are still responsible for your medical bills as they accumulate, and your insurance company will cover them according to the terms and limits of your policy. However, you can file an insurance claim or personal injury lawsuit against the other driver, provided you meet certain requirements established by Florida’s no-fault insurance laws. Under these laws, you cannot file an insurance claim or personal injury lawsuit against another driver unless you can show you suffered severe injuries in the crash. Some injuries that meet the requirements to file an insurance claim or lawsuit include: Any injury that causes severe disfigurement Any injury that permanently limits your use of a bodily organ or member Any injury that significantly limits your use of a bodily system or function Any injury that leaves you fully or substantially disabled If the other driver’s insurer approves your claim, it will cover your losses up to the policy limits. Generally, your insurer will want to recover any money they spent on your injuries before you receive any compensation. Insurance companies call this process subrogation. Once the subrogation process is complete, any remaining compensation goes to you and your lawyer, whose fee is likely based on a percentage of the recovery.