A couple I know moved to West Palm Beach from Georgia three years ago. Both had clean driving records, good insurance, and the reasonable assumption that if someone else caused an accident, that person’s insurance would pay for the damage. Six months after they arrived, the wife got rear-ended on I-95. The other driver was clearly at fault. She had neck pain, missed four days of work, and accumulated $4,200 in medical bills. Her husband called the at-fault driver’s insurance company expecting to file a claim. The adjuster explained that Florida is a no-fault state. Her own insurance paid first. The at-fault driver’s liability coverage wasn’t the starting point. The…