Florida is a no-fault insurance state, which means that after a car accident, your own personal injury protection coverage typically pays for medical expenses and lost wages regardless of who caused the crash. However, no-fault coverage has limits and may not fully cover serious injuries. If injuries are severe or permanent, such as significant scarring, broken bones, or long-term impairment, you may be able to step outside the no-fault system and pursue a claim against the at-fault driver for additional damages like pain and suffering.

If the at-fault driver’s insurance policy is not sufficient to cover your injuries, there may be other options available. You may be able to use your own uninsured or underinsured motorist coverage, if you have it, to help cover medical bills and other losses. In some cases, additional parties may share responsibility, such as another driver or an employer if the at-fault driver was working at the time of the crash. When insurance limits are inadequate, careful evaluation of all available coverage is important to avoid paying out of pocket for accident-related expenses.