Generally, in Florida, everyone that owns a car is required to have no fault or PIP (personal injury protection) insurance. That insurance pays for 80 percent of medical bills and 60 percent of wages, up to a total of $10,000. And since this is no fault insurance, it does not matter if you are at fault or the other car is at fault or there is a dispute as to fault. The bottom line is that your own insurance pays 60 percent of your lost wages, when sufficient proof is submitted (generally a disability note from your doctor and a wage verification form from your employer). If the other car is at fault, you can seek, as part of a settlement or verdict, the other 40 percent of unpaid wages.