Doug, they assign fault in FL even though it's a no-fault state. If fault is assigned, the person at fault's insurance picks up where you're lets go. So, if the guy is found 'at fault', I will essentially pay nothing and his insurance will cover my deductible and other out of pocket costs. If no fault is established (i.e. a true 'accident'), then we each cover our own costs.
I'll update everyone when I found out the verdict on that.
I'm just thankful that the guy was very remorseful and concerned. He consoled me even while I was trapped in the car. He tried to hold my hand, but accidentally grabbed a part of my hand that had a chunk of glass stuck in it. I yelped and think I scared him away. At that point a passing motorist who happened to be a doctor stopped and came over to hold my head and talk to me.