Glossary

No-Fault State

A state where each driver's insurance pays their own medical bills regardless of fault.

12 states + DC operate as no-fault: FL, MI, NJ, NY, PA, MA, KY, KS, MN, ND, HI, UT, DC. No-fault states require PIP coverage and typically restrict your ability to sue.

Related terms

PIP (Personal Injury Protection)

Insurance that covers your own medical bills regardless of who caused the accident.

Tort State (At-Fault State)

A state where the at-fault driver's insurance pays for everyone's damages.

Put it into practice

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