Sadly, you are about to be poorer.......this sounds like a subrogation claim, where the other persons insurance paid them UM benefits and are suing you to recover them. You may want to talk to a bankruptcy attorney ASAP.
If they go after you for damages your insurance should cover you up to your policy limits, if they are seeking excess they can go after you personally. No fault doesnt mean that they get paid from their own insurance on damages. It has to do with the PIP benefits an insurance provides their insured.
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I guess the question is whether you had bodily injury liability insurance. From the sounds of it, you didn't, so you can be held personally liable for the damages caused. No fault simply means PIP is in place, so there is a way for anyone involved in a car accident to get medical care, despite themselves even being at fault. I always tell my clients to be sure to buy bodily injury as well as uninsured motorist. You simply need it in this state, despite it not being "required." You may wish to consult a personal injury attorney, but they will likely require a retainer. You could also consult with a bankruptcy attorney as well if a judgment is obtained against you.
Your understanding of the Florida law is, unfortunately, inaccurate. You are still subject to suit for any personal injury you caused to the other party or parties. Did you not purchase bodily injury liability insurance for the car involved in the accident? If you had no bodily injury coverage, you are going to be responsible for any of the provable damages done to any person, minus any set off for PIP coverage etc. You should review your old insurance policy and confirm if you had B. I. liability coverage.
In the future, you should always protect yourself with adequate bodily injury liability coverage.
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If you had an adequate insurance coverage and you injured person in a crash you may end up being sued. Assuming you are not driving under the influence at the time of the crash, even a large judgment against you could see wiped out in bankruptcy. If you have a little in the way of assets and were not driving while impaired judgment made fact not be collectible against you.
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Sounds like that lawyer is going to be trying to get blood out of a stone...
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Your insurance company may have resolved the car damage claim, but the injury claim looks like is still open. The other party may be looking to recover money for their injuries, and in doing so the amount of the claim may exceed your Bodily Injury limit at the time. For example, if your BI limit was $20,000 but their injury claim is worth $50,000, then they may look to you for the other $30,000. And so, the insurance company is simply putting you on notice of this potential injury claim. Florida is a No-Fault state, but that only means that your insurance company pays for your own medical bills under your PIP regardless of who's fault it is. The No-Fault law does not do away claims for injury.
They can get a judgement against you. If you have no assets they wont be able to collect. It will affect your credit rating.
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