What is no-fault auto insurance?

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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.

Source:

Car Insurance Rates: No Fault Car Insurance

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