A:The only way to be compensated for your pain and suffering—along with other non-economic damages resulting from an accident—in Florida is to go outside the no-fault system. Personal injury protection (PIP) insurance does not cover non-economic damages, so you will have to prove that you suffered a serious injury that resulted in permanent and/or significant impairment, disfigurement, or disability. If you can prove that your injury meets the state’s “serious injury threshold,” you can file a personal injury claim against the at-fault driver’s insurance company. You could also bring a lawsuit against the liable party directly and seek compensation for all of your accident-related damages.