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.

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UPDATED: Jun 27, 2022

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