Originally posted by: PAB
In the state of florida, your PIP ($8500 for the neon) is covered by YOUR insurance, by law, in this case, SF.
If you have property damage, it can be covered by your collision or the other party's PD.
State Farm ate personal injury, Geico is eating property damage (car), and SF is eating property damage (contents).
It's extremely easy to have one car accident, and two or three insurance claims open with different insurers because of it.