The state of Florida conforms to a No-Fault system of rules which means that your auto insurance underwriter will repay the costs for your injury claims regardless of fault, up to a specific limit. Since neither party is found to be at fault, you wind up losing a few of your legal rights to sue under a no-fault system. The specific details of this kind of system are different for various states, but the overall concept is the same.Florida is a no-fault state. The specific details for a no-fault system deviate by state, but essentially, how it works is that the auto insurance underwriter will pay for expenses indifferent of fault. Quarrels over who is accountable are diminished with this kind of system, but concurrently, Florida drivers lose some of their legal rights to sue the other drivers involved.