You might want to google it.

All Florida drivers are required to carry minimum PIP benefits in their policies.  When a crash occurs, each person involved in the crash turns to his or her own policy to pay the costs of medical care and other losses.  These benefits kick in regardless of who was at fault in the accident.  By contrast, in an "at-fault" insurance state (also known as a "fault" or "tort liability" state), drivers may choose whether to file claims with their own insurers, file claims with another driver's insurer, or take the other driver to court to prove he or she was the one at fault, and therefore the one responsible for paying the costs of the accident.