The reality is that many Florida cases are resolved before ever filing a lawsuit, therefore you would not be required to go to court. More specifically, when you make a claim with an insurance company, oftentimes they will offer enough money to settle your case where you don't even have to file a lawsuit. Thus, you do not have to go to court. But, if you're unable to come to terms with the other insurance company or the other driver, then you may have to file a lawsuit. Even in the lawsuit phase, you still may be able to settle your case without the need to go to court, but if all settlement negotiations fail, then you may need to go to court to have a trial.