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No Fault Coverage

No fault coverage is available in a dozen states across the country. Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania, and Utah all feature some sort of no fault auto insurance law. Most no fault states require it for their drivers, while in a few it is optional. If you live in a no fault state it is important to make sure your personal injury protection (PIP) coverage is up to date and sufficient to take care of you or a covered family member in the event of an accident.

No Fault a Misnomer

The concept of no fault automobile insurance is a confusing one for many people in tort states and even some folks who actually live under no fault auto insurance law. Many people get the idea from its name that no fault suggests that there is no interest in finding blame for an accident. It is easy to come to this conclusion especially if you attempt to contrast no fault law with what you know about tort, which has a strong emphasis on assigning liability for an accident.

But in some ways, the term "no fault" is really a misnomer. In these states there is still an interest in deciding which driver caused an accident, and there a requirement corresponding to this interest for policyholders to include liability insurance in their package of coverage. What this special type of protection is really designed to do is to just make sure that anyone who is involved in an accident gets the care they need.

Personal Injury Protection (PIP)

That is where personal injury protection (PIP) comes in. This portion of an auto insurance  or GAP coverage is actually sometimes called no fault coverage. What it does is provide the covered policyholder with a bundle of financial coverage to go toward the cost of medical expenses that might come up in the wake of an accident. And in these states that medical coverage exists and is applicable regardless of fault in the crash. This puts the burden on each driver to carry their own coverage for medical expenditures, adding to the list of what they are required to carry.

In some tort states, only liability bodily injury and property damage coverage are required by law, although some states do add some form of uninsured and/or underinsured motorist protection to what they expect their drivers all to carry. This is one way in which the different policy coverage philosophies differ.

Finding Affordable PIP Insurance

When framing a policy in a no fault state, PIP coverage is a default part of what is included. About the only option we have as drivers with regard to our personal injury protection is to increase the monetary level of insurance in that category. Any such move greatly improves the value of the policy, but also will summarily increase its premium as well. Drivers in these states have to the same thing policyholders have to do all over the country, which is weigh the costs against the benefits of any choice they might make to increase coverage beyond the legal required threshold.

Use our free quote service to weigh all of your options and find a great low cost no fault provider. Utilize the form at the top of this page to request quotes from local providers. Compare prices and make a determination of which direction to go for coverage. With cheap online providers available in every no fault coverage state, we can save money and find good quality low cost personal injury protection to cover us when we drive.