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UPDATED: Feb 1, 2019
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No-fault car insurance helps law enforcement and insurance companies by avoiding the question of who was at fault for almost all car accidents of minor damage. The pros of no-fault car insurance are:
- Quicker claims processing for policyholders
- Less of a strain on the legal system
- (Arguably) Lower car insurance rates
No-fault car insurance is not a form of insurance coverage, but a set of laws set up to help drivers and insurance companies work together and avoid the hassles of litigation for minor accidents.
You can live in a no-fault car insurance state, but you cannot buy a no-fault car insurance policy.
Do you want to avoid costly auto insurance that doesn’t fully cover you? Enter your ZIP code above and compare at least three to four policies to find better coverage today!
What states have no-fault car insurance laws?
Currently, only a small list of states have no-fault car insurance laws including:
- Kentucky *
- New Jersey *
- New York
- North Dakota
- Pennsylvania *
- Puerto Rico
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How does no-fault car insurance work?
In most accidents — where no-fault car insurance laws are in place — the process is pretty simple.
In the event of an accident, your car insurance company will pay for any damage caused to you, your passengers, and your vehicle regardless of who was “at fault.”
Coverage for a car accident also applies to the other driver. Essentially, each car insurance company will pay for claims pertaining to the parties they have insured.
Each insurance company sharing the coverage helps the claims process enormously and eliminates expensive litigation in many cases.
While a driver can still sue for many reasons such as extreme negligence or severe financial reasons, most car accidents in no-fault car insurance states are quickly processed and drivers enjoy a hassle-free experience.
If you’re looking for better and more affordable coverage, enter your ZIP code below and start comparison shopping today!