The state of Florida abides by a No-Fault system meaning your insurance underwriter will make payments for your injury claims irrespective of fault, up to a specific limit. Since noone is found to be at fault, you end up losing a few of your rights to take legal action with a no-fault system. The specifics of this type of legal system are different for some other states, but the overall concept is identical.Florida is a no-fault state. The conventions of a no-fault system stipulate that the auto insurance underwriter covers damages resulting from an accident no matter who was responsbile for the accident. These basic regulations alter by state. In this kind of insurance system, people do lose some legal rights to take legal action, but it helps minimize disputes.