What Is no-fault insurance coverage?

No-fault insurance coverage may help cover medical expenses and loss of income after an auto accident, regardless of who’s found at fault. Also referred to as personal injury protection (PIP) insurance, this type of policy is mandatory in multiple states, including Florida and New York. Generally, no-fault coverage may help reduce legal disputes and the amount you pay out of pocket.  

How no-fault insurance works  

After an accident, each driver typically files no-fault claims with their insurance company. If it is a covered incident, no-fault coverage or PIP insurance typically helps to pay for financial losses related to the accident, regardless of who’s at fault. PIP insurance may help cover:

  • Medical bills for the policyholder  
  • Medical bills for the policyholder’s passengers in certain circumstances
  • Lost wages due to accident-related injuries (up to a predetermined dollar amount)
  • Funeral expenses

Personal injury protection insurance doesn’t cover every claim. This coverage usually doesn’t pay for:

  • Damage to your vehicle or a third-party's vehicle
  • Injuries to a third-party from a collision who’s not your passengers

States that require no-fault insurance  

Currently, 12 states require no-fault or PIP insurance:

  • Delaware
  • Florida
  • Hawaii
  • Kansas
  • Massachusetts
  • Michigan
  • Minnesota
  • New Jersey
  • New York
  • North Dakota
  • Oregon
  • Utah

States like Kentucky and New Jersey are “choice no-fault” states, where drivers can choose between no-fault insurance and traditional liability coverage. In Pennsylvania, it’s required for drivers to have either PIP or medical payments coverage with a minimum of $5,000 per person, per accident.  

Find your next policy with IIA

Infinity Insurance Agency, Inc. (IIA) works with 20+ auto insurance carriers to help you find a policy that suits your individual needs. Call to speak with one of our experienced Spanish bilingual agents who can help provide auto insurance quotes, including PIP insurance options.  

Call us at 1-855-478-3705 or get a free quote online today!  

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Disclaimer:

This material is for general informational purposes only. Any products, services, and discounts referenced herein are not available in all states or from all companies. All statements are subject to the terms, exclusions, and conditions of the applicable policy. In all instances, current policy contract language prevails. Coverage is subject to individual policyholders meeting the insurer's underwriting qualifications and state availability. Other terms, conditions, and exclusions may apply.

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