How No-Fault Insurance Works

No fault insurance may provide benefits to car accident victims without regard to who was responsible for the injuries and damages incurred during an accident. But, that may not mean that you don’t have to have the minimum car insurance coverage per your state’s requirements; because you might have to. No fault insurance offerings are generally supposed to be a way to help keep car insurance premium amounts from increasing substantially. The reason being that if there is a no fault car insurance system in place, you may have less paperwork to deal with and thus, potentially lesser expenses. Several states may have a no fault car insurance requirement currently, so you may want to check with your state before purchasing your next car insurance coverage to see if your state could be one of these no fault insurance locations.

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No Fault Coverage

No fault auto insurance coverage (also generally referred to as personal injury protection) is typically a limited type of coverage which may help cover only the medical bills and lost income up to the limit of a particular no fault insurance policy. Damages like pain and suffering and several other types of expenses incurred after an accident may not be covered by no fault coverage. Consequently, if the medical bills and/or lost wages are greater than the no fault insurance policy limits, you can sometimes collect these expenses by suing the at-fault party directly.

Since no fault rules about suing at-fault drivers for damages not covered by insurance may vary from state to state, you may want to make sure you are aware of what your policy covers before trying to go to court. For instance, some state laws may only allow a person to sue for serious injuries after their no-fault insurance coverage has been exhausted. These types of serious injury claims may generally include hospitalization, internal injuries, severed limbs, and/or broken bones. And, other state laws may allow a person to sue the at-fault party only if their total medical bills come to a specific dollar amount.

In New Jersey and Pennsylvania, there may even be a hybrid no fault auto insurance system. (optional modified policies) This type of system generally could allow drivers to choose to be insured under a strict no fault insurance policy where you may not be able to sue the at fault driver, and in turn, may not be sued if you are the at fault party. The other choice in these states could be to not take out no fault insurance, in which case a person generally can sue the at-fault driver which means you may be able to be sued if you are at fault as well.

Get a Free Online Quote for No Fault Insurance

If you live and drive in a no fault state, you may want to check out the various laws that could apply to you before deciding on an insurer. And to start your search, we offer you the opportunity to get help for receiving quotes for no fault insurance by simply filling out a short quote form here on Just fill out the form and you may receive free no fault insurance quotes soon.

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