Auto Insurance
No-Fault Insurance
An auto insurance system where each driver's own insurance pays their injuries regardless of fault.
Last reviewed: May 2026 · Editorial methodology
Definition
A system where each driver's insurance pays for their own injuries regardless of who caused the accident. Currently required in 12 states including Michigan, Florida, and New York. No-fault laws include Personal Injury Protection (PIP) requirements and limit when you can sue another driver for non-economic damages. Three states (Kentucky, New Jersey, Pennsylvania) offer 'choice' no-fault where drivers can opt out.
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Cover Forge USA Editorial Team
Editorial Lead
This article was researched and written by the Cover Forge USA editorial team against federal sources (NAIC, CMS, FEMA, DOL, SSA, state DOIs) and standard policy forms. Bylines organize content by topic — they do not assert individual licensure. See our editorial-policy for details.
Reviewed 2026-06-14
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