Do You Need Car Insurance In A No Fault State?

By Mike Anderson Posted in Car Insurance News

Numerous states throughout the US have adopted what is referred to as no fault insurance laws. Because, these laws are called “no fault” many drivers may be confused as to what they really are and how they will affect a driver when in an auto accident. Lets begin by making one thing very clear; no fault does not mean a motorist involved in a car accident will not hold any responsibility for damages, bodily injury, or any tickets that result from that accident. So do you need car insurance in a no fault state? The answer is most definitely yes. If you are involved in an accident in a state with no fault laws, you will still have to file a claim with your insurance company and most states that have these laws still require a minimum amount of coverage by law.

No Fault Laws Are In Place To Help Court Systems Run More Smoothly

In reality no fault auto laws are in place to help the state court system work more efficiently. When an accident occurs and is brought to court to settle more times than not, both motorists involved will argue that they are not at fault. Now it is the courts job to decide who is actually at fault, and making this decision takes both time and money. States that have adopted no fault insurance laws are usually those that have court systems very backed up by auto accident settlement cases.

With No Fault Laws Each Motorists Is Responsible For Their Own Expenses

The way no fault car insurance works is when an accident occurs, the drivers involved will be responsible for their own damages and injury expenses. This means that even if according to traffic laws the other driver is at fault for the accident, your car insurance company will have to pay to repair the damages caused to your car and cover you and your passenger’s medical expenses. If you are a safe driver, this law format may seem unfair, but in reality it is more beneficial than you may think. If you are involved in an accident and have to go to court it may take months to get a settlement, and during that time you may have to pay out of pocket for medical expenses and car repair. By having each motorist’s insurance pay for their own policy holder’s costs the whole process runs more smoothly and quickly.

Related posts:

  1. New Minimum Michigan State Requirements For Ann Arbor Car Insurance
  2. How Florida No-Fault Auto Insurance Laws Work
  3. New Minimum Florida State Requirements For Jacksonville Auto Insurance
  4. What Texas Car Insurance Minimums Mean for San Antonio Drivers
  5. New Minimum State Requirements For A New York Auto Insurance Quote

One Response to “Do You Need Car Insurance In A No Fault State?”

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