What Is No Fault Car Insurance?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jul 16, 2021

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The theory behind no fault car coverage is that most claims can be settled without litigation and without determining who is at fault. According to the no fault theory, this would eliminate major costs and speed settlement. Under no fault, your insurance company pays you for small claims. Litigation takes place only for the small percentage of cases that involve large claims. In addition, there are no awards for “pain and suffering.” Several states have adopted some form of no fault insurance, but the details vary widely from state to state. In practice, some states have no fault plans that allow litigation for even relatively small claims, making them very similar to conventional insurance.

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