The state of Florida observes a No-Fault system which means that your insurance underwriter will repay the costs for your claims no matter who’s at fault, up to a specified limit. Typically, people lose some of the rights to litigate under a No-Fault system. Specific details of a no-fault system change by state.Florida follows the no-fault system. The actual details for a no-fault system differ from state to state, but basically, how it works is that the insurance firm will pay for expenses indifferent of who caused the accident. In this kind of auto insurance system, drivers do lose some legal rights to litigate, but the system helps minimize altercations.