A No-fault State means that there is no requirement to prove fault to receive Personal Injury Protection (PIP) benefits is what makes Florida a “no-fault” state. This means that a driver’s own Personal Injury Protection (PIP) coverage, sometimes referred to as “no-fault coverage,” is responsible for paying their own medical bills and rehabilitative costs when they’ve been injured in an auto accident, regardless of which driver was at fault. In the state of Florida, this amount is at least $10,000 of coverage.