Will my rates go up if I use my own PIP?

PIP is the coverage you pay for precisely so it's available regardless of fault. Using it for a crash you didn't cause is what it's for.

Florida law restricts insurers from surcharging premiums based on claims where the insured wasn't substantially at fault.

What can still happen. A claim appears on your record and may be considered at renewal in ways short of a direct surcharge. Where fault is disputed or shared, the analysis differs. And insurers reassess risk on their own terms.

What's far more costly than a possible rate effect. Not using PIP at all. People decline to open a claim to protect their premium, blow the 14-day deadline, and lose the entire benefit — a certain loss of up to $10,000 to avoid an uncertain and much smaller increase.

The math is not close. Open the claim.

If you do see a surcharge on a not-at-fault claim, that's worth questioning.