No-fault insurance is talking about your motor vehicle insurance. In Florida, you can be walking down the street and be hit by a car —and it’s your car insurance that pays. 80% of your medical bills and 60% of your lost wages caused by that accident.

That doesn’t make a lot of sense to most people, but the insurance companies wanted no-fault law. They wanted no-fault law, so that’s what we have in the state of Florida now.