In a car accident, the party that caused the accident is responsible, but that’s only after Florida No Fault. Your own insurance pays your first medical bills.
Then, if you have a permanent injury or a serious injury, you’re entitled to go after the person that caused the accident. If you don’t file a no-fault claim in a timely manner, you’re going to lose your no-fault benefits, and the other part is not going to be responsible to pick those up. You really need to call a lawyer to get the right information.
A lawyer can help you out, can get you the care you need, can take care of you, and make sure that you get all the benefits you’re entitled to.