No, this is not true regarding property damage to a vehicle. Florida is a no-fault state but this is in reference to bodily injuries and using your own personal injury protection (PIP) coverages associated with your own auto insurance policy for injuries you sustained, not property damage that your car sustained.

If you are in an accident in Florida and your car needs to have damages repaired you should be able to put a claim through the at fault party's property damage liability insurance.

The Florida no-fault system really is in regards to medical payments. This means the insurance company covering your car would make payments for your bodily injury claims regardless of who was at fault in an accident.

The foundation of the FL no-fault law involves a trade-off of benefits: assuring payment of medical, disability (wage loss) and death benefits, regardless of fault, in return for a limitation on the right to sue for non-economic damages (pain and suffering).

Florida is a comparative negligence state. This means that the fault of the accident may be divided between the involved parties and the insurance companies will pay the claim according to the percentage of fault for each driver. So for the other party's insurance company to pay fully for your car's damages then they will need to be found 100 percent at fault in the accident.

Florida's no-fault law sunset as of October 1, 2007 but new laws are in place so that it will now resume as of January 1, 2008. In the interim injuries may be put through a person's PIP policy, if both drivers have PIP or they may go through a person's bodily injury coverage, it all depends upon what coverages each party in the accident had at the time of the accident. The insurance regulator for FL has information on their website that explains how bodily injuries should be dealt with during October, November and December of 2007.