by 
The Curious Bag
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As of the end of 2009, 12 states require no-fault insurance coverage. Under this type of coverage, the fault for an accident does not need to be determined for damages to be covered.
Understanding No-Fault
In a traditional tort system, the person determined to be at fault for the accident is responsible for covering the property and personal injury damages of the others involved. In a no-fault situation, each driver's own insurance picks up the tab, regardless of who caused the accident.
Auto Damage
In most cases, no-fault insurance will not cover auto repair costs. The only exception is if the car is damaged while legally parked.
Options for Auto Repairs
To ensure that the insurance company will pay for auto repairs, you will need to purchase supplemental coverage. Collision coverage will pay to repair your car--minus the deductible--if the car is involved in an accident.
Liability Coverage
In some no-fault states, you are also required to purchase liability insurance, including property damage. If you hit another vehicle due to your negligence, this part of your coverage may cover the other driver's auto repair bill.
Legal Action
If you have unpaid auto repair bills, you may be able to sue the other driver even in no-fault states. Most of the laws regarding lawsuits are aimed at personal injury claims.
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