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States With No-Fault Car Insurance

Some states have a "no-fault" system where auto insurance companies pay the medical bills, rehabilitation costs, and lost wages of the policy holder regardless of who's at fault.

No-fault systems came into place due to the sometimes long and costly process of determining who is at fault after an accident.

The good part of a no-fault system is that you get personal injury payments without having to figure out who's at fault. The bad part is that you cannot sue the other driver for pain and suffering or other emotional distress (unless the injuries are severe or caused by severe negligence).

Currently, there are 12 states that have no fault insurance:

  • Florida
  • Hawaii
  • Kansas
  • Kentucky
  • Massachusetts
  • Michigan
  • Minnesota
  • New Jersey
  • New York
  • North Dakota
  • Pennsylvania
  • Utah

Living in a state with no-fault insurance doesn't mean you can drive without insurance. If you have an accident and carry no insurance, you can be held accountable for the damages.

My Recommendation for Car Shoppers

TrueCar No-Haggle and Edmunds Price Promise are the quickest way to see the lowest car prices in your area. These sites show you no-haggle prices from dealers closest to you - and the deals are usually really good. This should be the first step you take when negotiating your car price. Follow this up with my checklist to make sure you squeeze out every last bit of savings.
- Gregg Fidan

Gregg Fidan

About: Gregg Fidan


Gregg Fidan + is the founder of RealCarTips. After being ripped off on his first car purchase, he devoted several years to figuring out the best ways to avoid scams and negotiate the best car deals. He has written hundreds of articles on the subject of car buying and taught thousands of car shoppers how to get the best deals.

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