Florida is a “no-fault” auto insurance state. Simply put, no-fault means that no matter who is at fault, you need to use your own insurance. Under Florida law, every vehicle owner is required to have $10,000 of Personal Injury Protection (PIP). PIP benefits are paid by your own insurance company and pay for 80% of your medical bills and 60% of your lost wages, up to $10,000. This means you have to recover the rest of your out of pocket expenses from the negligent party. That is why it is smart to contact the experienced personal injury Steve Hoskins to ensure you receive maximum compensation.