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Every car insurance company sets their prices differently, so shopping around is the single best way to find
the cheapest rate.
That's where InsuranceGenius comes in. In a matter of minutes, you can get quotes from multiple
car insurance companies to find the best price for you.
Take a few minutes now to find out just how much we can save you!
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What does no fault insurance mean?
"No fault insurance" is a term that is used to describe any car insurance system that:
- Requires drivers to carry insurance for their own protection
- Places limitations on their ability to sue other drivers for damages
With no fault laws, in an accident, your car insurance company will pay for your damages up to your
policy limits and any other drivers involved will be covered by their car insurance company.
Under such a strictly no fault system, drivers would be completely covered by their own policy and
would not be allowed to ever sue another driver for damages. However, no state uses such a strict
no fault system. Instead, all "no fault" states have actually implemented a hybrid system with
various parts of a true no-fault system and various parts of the standard liability system (which
hold everyone responsible for the cost of damages they cause).
The states that have implemented some form of no-fault insurance can be very expensive. Therefore
if you live in one of these states, it is even more important to make sure you shop around for your
car insurance needs.
The states that are currently utilizing some form of no-fault system are:
District of Columbia
Florida
Hawaii
Kansas
Kentucky
Massachusetts
Michigan
Minnesota
New Jersey
New York
North Dakota
Pennsylvania
Utah
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