Welcome to this brief guide to no fault auto insurance. We’ll address a few key questions such as what no fault insurance is, why it’s important, and how you can find it from good providers at the best rates.
No fault car insurance is simply coverage that allows a car accident to appear as though no one is at fault. In other words, instead of having to stay at the scene of the accident discussing with each other who is responsible for damages cause to one or more vehicles, the drivers can immediately seek medical care, since they both have no-fault coverage. Neither party can sue the other for the damages, so why bother arguing about it?At least, that’s how a pure no fault legal system would work in theory. But in practice, states that require no fault cover for drivers (some states require this coverage across the board, while others only require it of certain kinds of drivers) generally mix the pure system with the standard liability system, which encourages drivers to carry insurance for any legal liabilities they may incur as a result of a collision or other damage to others’ property by their vehicle.
You should get no fault protection if you can afford it (premium rates are usually higher because of the extra coverage) or if the state in which you reside requires it. If you are looking for the best possible no fault coverage, look at our car insurance page. There, we’ll point you toward several good auto insurance providers that include no fault as part of their repertoire.
