What is a no-fault insurance state?
Many states have passed laws permitting the individual automobile accident victim to collect directly from his or her own insurance company for medical and hospital expenses, regardless of who was at fault in the accident. This differs from the traditional tort system where the victim can sue for compensation for damages. There are many variations in the laws of those states that have no-fault statutes. Most states restrict the individual’s right to sue the negligent party unless the claim exceeds a certain stated limit.
