Every Florida driver must have personal injury protection (PIP) insurance because it's a no-fault state. Your insurance covers some or all of your expenses after an accident. If your costs exceed the amount your insurance covers, you can seek damages from the at-fault driver.
Since state laws require drivers to have this insurance, you're violating state laws if you don't have insurance. You may be charged and fined. Your driver's license can also be suspended if you're guilty of driving without insurance.