In response to problems with the old auto insurance system, Florida lawmakers passed the "No-Fault" (P.I.P.) auto insurance law in 1971. Simplified, the "No-Fault" (P.I.P.) auto insurance law established an arbitrary, pre-determined scheme for which auto insurance company pays what to whom, when, and how much, no matter what. Florida "No-Fault" (P.I.P.) auto insurance works like this: If you were injured in an auto accident, a pre-determined "No-Fault" (P.I.P.) auto insurance company automatically pays most of your medical bills and lost wages, NO MATTER WHO WAS AT FAULT IN THE ACCIDENT, and no matter whose vehicle you were in at the time of the accident, no matter what. No delays. No excuses.