Medical treatment is critical because the medical records are what will be used to prove that you were in fact hurt. Without proper documentation from medical professionals, you should assume that no insurance company will pay you anything for your injuries. The longer that you wait to see a doctor causes an additional problem, in that it raises doubt that your accident is the actual cause of your injuries. When you want too long to seek medical treatment, the insurance company will use this as an excuse to deny your claim altogether or greatly reduce the value. In Florida, the minimum amount of insurance coverage that is required by law is $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability coverage. Because Florida is an “At-Fault State,” your PIP coverage will pay up to 80% of your medical bills (you may also have a deductible).