How to Determine if I Live in a No-Fault State

In the insurance sector, there is a policy known as no-fault vehicle insurance. This pertains to insurance claims requested after an accident involving two parties driving different vehicles. Usually, the insurance companies have a set procedure to handle accident cases: the police and insurance company staff assess the damage, determine who was at fault and then the claim is decided upon considering the state's applicable laws. With a no-fault insurance policy, the fault of any driver is not a determining factor for processing claim. Both the drivers claim insurance from their respective insurance companies. The interpretation of this policy has been a subject of debate as every state has different insurance laws. There are twelve states that have mandatory no-fault insurance laws. To know if you live in such a state, consider the following:

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Step1
Go online and search for no-fault insurance policies and laws. Florida, Michigan, New Jersey, New York, Pennsylvania, Hawaii, Kansas, Kentucky, Massachusetts, Minnesota, North Dakota and Utah have no-fault auto insurance laws.


Step2
Get online premium figures from a number of insurance agents and find out whether any of those offer the no-fault insurance policy.


Step3
Rejecting your request for such a policy implies that you are residing in a state where no-fault policies are not provided.


Step4
Pick up the phone and confirm from your nearest insurance agent if your state provides a no-fault policy and whether you qualify for one. The agent will be able to clarify your doubts.


Step5
Getting such a policy would mean that you are residing in a no-fault state. It will also mean that you are covered with Personal Injury Protection (PIP) or Optional Basic Economic Loss (OBEL).

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