Currently there are 12 states which are considered “no fault”. This means that in the event of a car accident, each driver’s insurance company would cover their own client’s medical expenses, lost income, and so on. This is different from most states in that in the other 38 states, the driver found to be at fault is responsible for the other persons damages, so any attempts to file a car accident claim would be with the at fault driver’s insurance.
Here’s a good way of thinking about it – if the car accident settlement check came from an insurance company that isn’t your own, you are not in a “no fault” state. If it came from your own insurance company, you were in a no fault state.
The current No Fault states for car accidents are:
- North Dakota
- New Jersey
- New York