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States are generally categorized into two insurance systems — no-fault and at-fault — which strongly impact the type of coverage you need on your car insurance policy and how your claim is paid.
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.
When it comes to car insurance, a state is classified as either a no-fault state or a tort state. In no-fault states, PIP pays out to cover your injuries after an accident regardless of fault.
Currently, 12 states are no-fault states and mandate PIP coverage. This means that if you live in one of these states, you’ll need to buy PIP cover as part of your policy. Here's what PIP ...
A Michigan no-fault policy provides unlimited medical and rehabilitation benefits. [4] Claimants involved in an auto accident are wise to submit their own insurance information to their medical providers, as third party carriers are under no legal obligation to pay a claimant's medical bills, while first party carriers are.
Most no-fault states still require drivers to carry bodily injury liability. Once fault is determined, the at-fault party’s bodily injury liability coverage could begin to pay for your injuries ...
No-fault does not mean someone did not cause an accident, and the at-fault driver can still be held liable for damages beyond what everyone’s no-fault insurance covered. Each state has a ...
No-fault does not mean no one is responsible for causing an accident. Since Massachusetts car insurance laws state that the commonwealth is a no-fault state, each party’s insurance company would ...
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related to: no fault states meaning in insurance policy