— Staged auto accidents and excessive and often unnecessary medical treatment are adding around $1 billion to the costs of Florida’s no-fault auto insurance system, according to an analysis by the Insurance Information Institute (I.I.I.). The I.I.I. reported that the typical two-car family could be paying what amounts to a “fraud tax” of nearly $100 based on estimated fraud inherent in the state’s current “no-fault” auto insurance system.