Although Florida is called a “no-fault” car insurance state, fault still plays an important role in the event of an auto accident. The at-fault driver, for example, becomes the Defendant in an auto insurance lawsuit. Also, fault can play a factor in how the insurance adjuster views the value of you case. If you are even slightly at fault, that can hurt your chances for a recovery if you don’t have an excellent personal injury law firm at your side. In Florida, insurance companies are not supposed to raise your premium just becuase you were in an accident, so they find other more clever ways to raise your premium.