The state of Florida follows a No-Fault auto insurance system meaning your auto insurance underwriter will cover the costs for your claims irrespective of fault, up to a specific limit. Since neither party is found to be at fault, you wind up losing some of your rights to sue under a no-fault system. Details of a no-fault system are different by state.The no-fault system is followed in Florida. The laws of a no-fault legal system specify that the auto insurance firm covers damages resulting from an auto accident regardless of who was responsbile for the accident. These specific principles change by state. In this type of auto insurance system, drivers do lose some rights to take legal action, but the system helps minimize altercations.