No-Fault States 2025

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No Fault States

Add-on
No
Yes
Yes - Choice
  • No-fault states are those in which both drivers involved in an accident must file a claim with their own insurance company to pay for their personal injuries regardless of which driver is to blame for the accident. The driver who was at fault (or their insurance company) still pays for all material damages.
  • No-fault states typically require drivers to have a minimum amount of no-fault insurance, also called personal injury protection (PIP) coverage, to pay for their personal injuries.
  • No-fault states differ from at-fault states, also called tort liability states, in which the at-fault driver is responsible for paying for both damages and injuries.
  • Three no-fault states have “choice no-fault” systems in which a driver can pay higher rates to have an at-fault policy instead, which preserves their option to sue another driver for medical costs in the event of an accident.
  • Several states have “add-on no-fault” insurance, in which drivers can choose to have no-fault insurance by purchasing PIP coverage.