Med pay requirement heightens concern for no-fault repeal Previously, the coverage was optional. The Senate voted late Wednesday to repeal the state’s no-fault auto insurance system, but opponents, including one Senator, are raising concerns about a floor amendment that could increase insurance rates for Florida drivers. Danny Burgess, would replace the current requirement to carry personal injury protection coverage with a new one requiring mandatory bodily injury coverage. There were already questions about effects the switch would have on Florida’s auto insurance rates, which are already among the highest in the country, but an amendment to require drivers also carry $5,000 in medical payment, or med pay, coverage spurred more concerns.