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No-fault systems generally exempt individuals from the usual liability for causing bodily injury if they do so in a car collision; when individuals purchase "liability" insurance under those regimes, the insurance covers bodily injury to the insured party and their passengers in a car collision, regardless of which party would be liable under ordinary legal tort rules.
In a no-fault state, both parties will file a claim with their own insurer to help pay for their own injuries, regardless of who is at fault. The insurance company of the driver who caused the ...
The first offense of driving without insurance in Illinois is considered a petty offense, and drivers may be fined at least $500 but no more than $1,000. For a driver convicted of uninsured ...
Tort insurance vs no-fault insurance. States fall into two main categories when it comes to car insurance: at-fault/tort states or no-fault states. The majority of the states in the country apply ...
Vehicle insurance in the United States. Vehicle insurance in the United States (also known as car insurance or auto insurance) is designed to cover the risk of financial liability or the loss of a motor vehicle that the owner may face if their vehicle is involved in a collision that results in property or physical damage.
Personal injury protection (PIP) is an extension of car insurance available in some U.S. states that covers medical expenses and, in some cases, lost wages and other damages. PIP is sometimes referred to as "no-fault" coverage, because the statutes enacting it are generally known as no-fault laws, and PIP is designed to be paid without regard ...
Fines: You will most likely have to pay a fine if you are caught driving without insurance, which could be steep depending on the details of your accident. Jail time: A first offense may not land ...
Full tort and limited tort automobile insurance. Full tort and limited tort automobile insurance options were instituted by the state of Pennsylvania in an attempt to decrease the number of pain and suffering lawsuits in Pennsylvania courts. Concerned about the high rates of automobile insurance, Pennsylvania enacted mandatory personal injury ...