What does it mean to say that a state has a “no-fault” system for motor vehicle accidents?
Many states have enacted “no-fault” automobile insurance systems that seek to provide compensation to individuals injured in automobile accidents without regard to fault. Many of these systems are considered to be first-party insurance systems. This means that individuals who are injured in automobile accidents make a claim for recovery against their own insurance carrier, rather than the insurance carrier of one of the other party involved in the accident. Many no-fault automobile systems require that every driver obtain a minimum level of insurance before being allowed to operate a motor vehicle. This requirement seeks to limit situations in which an individual is injured in an automobile accident and does not have insurance that would assist in compensating for the injuries. Under many systems, the purchaser of the insurance is given the option to obtain additional insurance providing greater coverage. Numerous types of benefits are available under most no-fault systems including co
