I live in Florida and I got into a car accident that was no fault of my own with a driver who I strongly believe was under the influence. His insurance accepted liability for the accident and is covering the property damages. But my insurance has to cover my PIP because of Florida's no-fault laws. My roommate was in the passenger side and was therefore a part of the accident. My insurance is now claiming that I committed fraud by omitting her from my policy and refuses to pay for the treatment of my injuries. My roommate and I have individual leases, she is not a part of my household, we don't split rent or utilities, so do they have grounds to deny my claim?