In serious car accidents, Florida’s no-fault system may not apply. Florida law 627.737(2) applies in cases of accidents with permanent injuries. To qualify, you must suffer a significant or permanent loss of an important bodily function, significant scarring, major disfigurement, or death. If you have a qualifying injury, you may move outside of Florida’s no-fault system and bring a traditional lawsuit against the responsible party for the full value of your claim. Your attorney can help you understand if you qualify to bring this type of claim.