Why is my insurance company involved if the accident was not my fault?

Florida is a “no fault” insurance state. This means that, no matter who was a fault for the accident, you are required by law to submit medical expenses to your own insurance company to be covered under your personal injury protection coverage. If your medical bills and lost wages exceed what is covered by your insurance, the at-fault driver or their insurance company is responsible for those costs as well as possible compensation for pain and suffering. In addition, your insurance company may be involved if the at-fault driver does not carry enough insurance and you have uninsured or underinsured motorist coverage.