The National Association of Mutual Insurance Companies (NAMIC)has recently spoken out against the no-fault auto insurance systemin Florida. The state's no-fault system requires that those injuredin an auto accident, must pay for their own injuries, no matter whois at fault for the collision.

According to NAMIC, Florida's no-fault system was enacted in themid-1970s and has resulted in some of the highest insurance ratesin the U.S., with the average family paying about $250 more forauto insurance than necessary.

Instead of handling injured motorists' medical bills, theno-fault insurance system:

Results in drivers with health insurance paying for coveragetwice over.

Forces drivers to pay 20 percent of their auto accident medicalexpense up to $2000, even when the accident wasn't their fault,increasing rates for good drivers.

Permits personal injury lawyers to bilk the system by filinglawsuits over trivial disputes to rack-up large attorney fees.

The system will expire in this October, making way for thetort-based system that 38 other states have already instituted.

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