以前有個人來問過，我找不到原貼了，也是FL no fault

When a crash occurs, each person involved in the crash turns to his or her own policy to pay the costs of medical care and other losses. These benefits kick in regardless of who was at fault in the accident.

我的理解是雖然最低要求PIP和PDL各1萬，說不定對方買了10萬，如果都能cover，你就不用付錢了。

另一方麵，

Driving without insurance in Florida is illegal, and a driver may have his or her license suspended if caught driving without at least the minimum required insurance.

警察沒給你citation去法院麽？

我可以問你一個問題麽？換道怎麽會從後麵撞別人？如果你在前麵換而沒有回頭，我還能理解。高速離這麽近決定換道，你在飆車麽？