Fault vs. No Fault Auto Insurance Laws

Understanding fault vs no-fault auto insurance laws can be essential in figuring out how much an auto accident is going to cost you. Who pays for car damage in a no-fault state can be different than in an at-fault state. In no-fault states, no-fault insurance is required for all drivers and each driver in an accident is responsible for their own damages and injuries. There are many more at-fault states vs no-fault states, though. In fault-based states, the driver who caused the accident or is most "at fault" will be responsible for the damages caused to the driver who was not at fault.

UPDATED: Apr 4, 2023Fact Checked

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

Chris Tepedino

Insurance Feature Writer

Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

Insurance Feature Writer

Travis Thompson

Licensed Insurance Agent

Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...

Licensed Insurance Agent

UPDATED: Apr 4, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Apr 4, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.

Free Auto Insurance Comparison

Enter your ZIP code below to compare auto insurance rates.

secured lock Secured with SHA-256 Encryption