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I am sorry to say that while FL is trying to change their no-fault insurance law, the FL law right now states that all personal injury damage is covered under the driver's PIP insurance coverage and that is the limit to the damages you can recover from your insurance. If you carry the minimum $10,000 PIP coverage and your injury claim is more than the $10,000 then you can sue the other driver for the additional loss over the first $10,000. Unfortunately, the FL law does not allow you to sue for personal injury I am afraid unless it is for damages over the PIP coverage you have and thus legally I am afraid there is nothing you can do "so that we aren't the only ones paying for this" because FL law simply says you cannot and an attorney cannot take an action contrary to the FL law unless you are seeking damages beyond your maximum PIP coverage.
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