The state of Florida is a no-fault state meaning that your insurance company will pay for damages from accidents regardless of who’s at fault. Since neither party is found to be at fault, you end up losing a few of your legal rights to sue with a no-fault system. The specifics of this type of auto insurance system change for various states, but the overall concept is identical.The no-fault system is followed in Florida. The actual details for a no-fault system can differ by state, but fundamentally, the way it works is that the auto insurance underwriter will cover expenses disregardless of fault. Altercations over who is answerable are minimized with this system, but simultaneously, drivers lose some of their legal rights to sue the other parties involved.