I caused a crash in Florida – please help with my question!?

I caused a crash in Florida – please help with my question!?

This is a “no-fault” state. I found out that my insurance crash limitations only covered $10,000 in coverage (lame, I know!). But my car alone had $2,500 in damage. But the two other cars had very little damage, HOWEVER, one of the cars was a 2006 Cadillac (EEK!).

So my insurance company sends me a certified letter stating that the amount MAY be more than what my insurance can cover and that I MAY want to retain a lawyer. (We're a military family, so we'd be using the SJA.)

But I talked to someone and they said Florida (like California) is a no-fault state and that if my insurance DOES run out, the woman's insurance would then pick up that tab.

Is this true? I know this is truly unfair, but I just want to know where I stand and do I need to talk to a lawyer anyways?