by 
The Curious Bag
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While many states use a tort-based system in which the at-fault driver pays for the other drivers expenses, some states have moved to a "no fault" system. No-fault auto insurance has several differences from tort-based insurance.
What does No Fault Mean?
No fault means that insurance payments are available under your policy regardless of fault. It does not mean that there was not a guilty party in the accident.
Who Pays a No-Fault Claim?
In most cases, your insurance company will pay for your injuries, and the other driver's insurance pays for his.
Why No Fault?
Under no-fault auto insurance, an injured person can receive insurance money to pay for treatment quickly, instead of waiting for insurance companies or courts to decide who was at fault.
Can I Still Sue?
No-fault insurance states are not "pure no-fault," so you can still bring suit in some circumstances. Michigan places the most restrictions on your ability to sue another driver.
Why Carry Insurance?
Some people think that no-fault laws relieve them from carrying insurance. If you don't carry insurance, though, you can be held liable for an accident.
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