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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.

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About The Author

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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