In Florida, there are three main ways you will generally pay for an accident
Personal Injury Protection policies are also referred to as "no fault policies". They cover up to $10,000 in medical bill and can cover up to 80% of your medical bills
Bodily injury coverage is paid out by the insurance company of the individual who is at fault. This can span a large range, from no money to millions of dollars. This covers a number of damages and is paid in a single lump sum.
This is a policy that is included in the not-at-fault driver's policy. UI/UM policies pay beyond the at-fault driver's coverage and is incredibly helpful to have within your insurance policy.
Make sure you have great insurance, be careful while driving and, if you ever get into any trouble, give us a call.