Florida’s no-fault insurance system requires drivers to carry Personal Injury Protection (PIP) coverage, which provides up to $10,000 for medical expenses and lost wages, regardless of who is at fault in an accident. This system aims to reduce litigation costs and speed up compensation for minor injuries. However, it limits the ability to sue for pain and suffering unless the injuries meet a certain severity threshold, such as significant and permanent loss of an important bodily function or permanent injury. Understanding Florida’s no-fault insurance is crucial for drivers to ensure they have adequate coverage and know their rights in the event of an accident.