Florida law requires all drivers to carry Personal Injury Protection (PIP) coverage on their insurance policy. It covers 80% of any adjusted medical expenses (pursuant to a fee schedule) related to injuries sustained in the accident up to $10,000, leaving the balance of the bill your responsibility. To claim these out-of-pocket expenses as damages against the at-fault party, you must keep accurate records of all your medical expenses – from medical, hospital, and drug bills to the hiring of extra help, taxi fare and parking. Get receipts and keep duplicate copies of everything.