The state’s insurance regulators released a report on Monday that shows a spike in personal injury protection payments and claims. Central Florida saw the second-highest rate of claims in the state last year. Personal injury protection insurance pays medical bills for policyholders injured in auto accidents, no matter which driver is at fault. Florida law requires drivers to carry at least $10,000 in coverage. The protection is intended to protect Florida residents who don’t have health insurance and to avoid lawsuits and costs for minor injuries.