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No Fault Auto Insurance

In order to deal with the rising costs of litigation associated with car accidents, several states have put no fault auto insurance laws into place. The states that use no fault auto insurance or varieties of it are: HI, FL, DC, KS, MN, PA, ND, NY, MA, MI, and UT.

The basic idea of no fault insurance is to eliminate or limit the amount of money and time it takes when people or insurance companies are forced to take claims to court. If you are covered under no fault insurance and are in a car accident, your insurance will pay for your car damage and your medical costs regardless of who was at fault. The other party’s insurance will pay for theirs. This also leads to faster results, as there is no wrangling with someone else’s insurance provider.

Save on No Fault Insurance

Some states have total no fault insurance, under which you are prohibited from suing other drivers. There are exceptions for extreme injury, but these vary by state. Other states have a modified form of no fault insurance that allows you to opt in or out. If you opt in, you cannot sue other drivers but no one can sue you, either. If you opt out, you retain the right to sue other drivers—but they can sue you, too. However, if you have opted out and are in an accident with a driver who has chosen no fault insurance, you cannot sue them. There are pros and cons to no fault insurance; if it is featured in your state, be certain that you understand the specific rules and regulations. And, as always, shop around and compare prices to find the best rates of no fault insurance you can.