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Separate insurance contracts (i.e., insurance policies not bundled with loans or other kinds of contracts) were invented in Genoa in the 14th century, as were insurance pools backed by pledges of landed estates
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Many independent inventors are in favor of patenting new insurance products since it gives them protection from big companies when they bring their new insurance products to market. Florida's no-fault system sunset on October 1, 2007, but a new no-fault law was passed by the Florida legislature, creating a new no-fault system as of January 1, 2008.
In at least one state, New York, the no-fault plan suddenly and unexpectedly led to an enormous flood of litigation beginning around 1995 and continuing unabated to date (2007)
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