The state of Florida observes a No-Fault auto insurance system implying your insurance company will repay the costs for your injury claims no matter who’s at fault, up to a certain limit. Typically, people lose some of the rights to sue under a No-Fault system. The specific details of this type of legal system change for some other states, but the overall conception is the same.Florida is a no-fault state. The specific details for a no-fault system are not the same by state, but fundamentally, the way it works is that the auto insurance underwriter will pay for related expenses disregardless of fault. In this kind of auto insurance system, Florida drivers do lose some rights to litigate, but it helps minimize disputes.