No-fault insurance is a system that many states use in an effort to avoid prolonged court cases and to ensure that medical costs are paid promptly.

In most cases it does not matter who is at fault, your own insurance company will pay for medical and hospital expenses and loss of income. They will then attempt to recover those costs from the other person’s insurance company, if they can. In some no-fault states, you many not sue unless a serious injury has occurred or if a certain monetary threshold has been breached. Because each state’s laws vary considerably, it is important that you understand the nuances where you live. You should also make sure that your insurance policy covers you wherever you live. You should also make sure that your insurance policy covers you wherever you travel. This information is general in nature and should not substitute for the advice of an expert in the field.