Whether or not you have insurance in Florida makes no difference if you’re injured in a car accident. If you’re injured, you can bring a lawsuit against the at fault party even if you have no insurance. The only detriment that may occur at that time is that the other side would be entitled to a settle offer in the amount of insurance that is mandatory under Florida law which is $10,000 PIP coverage. However, you can still bring a lawsuit if your injuries are sufficient against any individuals who caused an accident in which you were injured.