Will my insurance company defend me in court if I am sued following a Florida car accident?

The answer to that question lies in what type of insurance coverage you actually have, what you bought. The policy that you have is a contract, and if your policy contains bodily injury liability coverage, then that policy will insure you a defense provided by your insurance company. If you do not have bodily injury liability coverage, your insurance company has no obligation to defend you for any injuries that you may have caused.