Yes, Florida uses a no-fault insurance system. This means that after a car accident, each driver’s insurance company covers their own policyholder’s medical expenses and certain other losses, regardless of who was at fault. This system is designed to streamline the claims process and reduce the need for litigation. In Florida, drivers are required to carry Personal Injury Protection (PIP) insurance to comply with the no-fault law. Understanding Florida’s no-fault insurance system is crucial for drivers to ensure they have the appropriate coverage and know how to proceed in the event of an accident.