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Did You Know This About Florida Auto Insurance? Florida is a no-fault state — and that confuses a lot of drivers after a crash. Here’s what it really means: – You’re required to file through your own insurance first, even if the other driver caused the accident – Your Personal Injury Protection (PIP) covers medical bills — but not always enough – You can still sue if your injuries are serious, your bills go beyond PIP, or you’ve suffered long-term damage At Michael T. Gibson, P.A., we help drive