Florida - The Florida No-Fault Law is no more. As of Midnight, October 1st the law expired and there's no guarantee that doing away with it will save drivers any money. That was part of the argument for getting rid of the law. But WINK News found out, without the no-fault law drivers may have to pay extra for medical expenses, liability coverage, lost wages and may even get sued for causing an accident.

"At midnight you're telling me I'm no longer covered, that's crazy," said Driver Jamie Davis.

The sun has set on the Florida No-fault Law. It required every Florida driver to have $10,000 in personal injury protection, or PIP as it's called. Without it, drivers say they'll take a huge hit.

"I think we're getting the raw end of the deal," said Driver Jim Logsdon.

Drivers will still be covered until their policies expire, at that point they don't have to renew personal injury protection and no one who buys car insurance after Midnight October 1st has to have it either.

"Even if your policy is intact and you know you still have PIP, it doesn't mean the guy that you hit has it," said Insurance Agent Tim Shaw.

Shaw says that means the other driver is likely to sue you. "All we're going to do is shift the cost from pip to liability so I think in the end liability rates will probably have to go up to help cover those expenses," he said.

Drivers say getting rid of the old law does more harm than good. "It's going to create a lot more of a mess, I believe," said Logsdon.

Shaw suggests drivers call their insurance agent if they have any questions. He's encouraging his policy holders to add extra protection like liability coverage and bodily injury protection.

On Wednesday, lawmakers will meet in a special session to decide if they want to renew the no-fault law.

Trust WINK News for full coverage of this developing story.