Legal Question in Workers Comp in Florida

An employer in the State of Florida, with more than 4 employees (as they are defined under the law), is obligated to have workers' compensation coverage. They must be employees, and not independant contractors, or exempt employees - which, from your question, I am unable to determine with any specificity. If there are truly 11 employees in Florida, your employer is supposed to have coverage, which would cover your medical expenses, if you were injured on the job. It would not cover property damage to your car, however. In order to make sure if there was proper coverage under Florida law, I would suggest you consult with an attorney who is an expert in Florida Workers' Compensation laws. He can confirm if there really was coverage or not, as sometimes employers do not admit there is coverage,to avoid having to make a claim. If there is no compensation coverage, the attorney can detail what other options you might have to pay the medical bills, PIP being one other option you might have. What other options may be available, require a more extensive interview with you, to see what, if anything, else could be done for you.