No-Fault Insurance Laws

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Auto insurance provision, instituted state by state that allows policyholders to recoup financial losses from their own insurance company following an accident, no matter who was at fault.

Under no-fault insurance laws, the insurer pays the insured first-party benefits. Still, it restricts the right to sue for both injury and pain and suffering to certain conditions and dollar limits. Known as a threshold, these conditions depend on injury severity and are limited in amount.

No-fault auto insurance works to lower premium costs while providing quick payment for injuries. 12 states currently have no-fault insurance laws, including Florida, Michigan, New Jersey, New York, Pennsylvania, Hawaii, Kansas, Kentucky, Massachusetts, Minnesota, North Dakota, and Utah.

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