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A classic \u201cno-fault\u201d auto insurance system, used in around ten states, requires accident victims to first (and occasionally only) seek compensation from their own auto insurance.<\/p>\n
Remember that in the following states, you cannot receive \u201cpain and suffering\u201d damages for the accident and your injuries unless the circumstances of your vehicle accident claim allow you to \u201cstep outside\u201d of no-fault under the applicable threshold:<\/p>\n
A \u201chybrid\u201d or \u201cchoice no-fault\u201d system is used in New Jersey, Pennsylvania, and the District of Columbia, which typically means that when you buy a car insurance policy, you can choose whether you want to be covered under no-fault insurance or the more conventional liability-based insurance system (and you may have the option to continue with no-fault before filing a claim after an accident).<\/p>\n
There are no restrictions on a claimant\u2019s options for holding another driver or party financially liable for damages following an accident, even if some jurisdictions (such as Delaware and Oregon) require no-fault coverage as an add-on to any auto insurance policy.<\/p>\n
(Note: While most no-fault insurance policies allow you to file claims for medical costs, lost wages, and other financial losses up to your no-fault policy limits, claims for vehicle damage are typically excluded from the no-fault system and must be made under the terms of the collision and comprehensive insurance policies.)<\/p>\n
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Which Are the No-Fault Car Insurance States?
A classic \u201cno-fault\u201d auto insurance system, used in around ten states, requires accident victims to first (and occasionally only) seek compensation from their own auto insurance.<\/p>
Remember that in the following states, you cannot receive \u201cpain and suffering\u201d damages for the accident and your injuries unless the circumstances of your vehicle accident claim allow you to \u201cstep outside\u201d of no-fault under the applicable threshold:<\/p>
A \u201chybrid\u201d or \u201cchoice no-fault\u201d system is used in New Jersey, Pennsylvania, and the District of Columbia, which typically means that when you buy a car insurance policy, you can choose whether you want to be covered under no-fault insurance or the more conventional liability-based insurance system (and you may have the option to continue with no-fault before filing a claim after an accident).<\/p>
There are no restrictions on a claimant\u2019s options for holding another driver or party financially liable for damages following an accident, even if some jurisdictions (such as Delaware and Oregon) require no-fault coverage as an add-on to any auto insurance policy.<\/p>
(Note: While most no-fault insurance policies allow you to file claims for medical costs, lost wages, and other financial losses up to your no-fault policy limits, claims for vehicle damage are typically excluded from the no-fault system and must be made under the terms of the collision and comprehensive insurance policies.)<\/p>","_et_gb_content_width":"","footnotes":""},"class_list":["post-18891","page","type-page","status-publish","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/2025divi.cortho.org\/index.php?rest_route=\/wp\/v2\/pages\/18891","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/2025divi.cortho.org\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/2025divi.cortho.org\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/2025divi.cortho.org\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/2025divi.cortho.org\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=18891"}],"version-history":[{"count":0,"href":"https:\/\/2025divi.cortho.org\/index.php?rest_route=\/wp\/v2\/pages\/18891\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/2025divi.cortho.org\/index.php?rest_route=\/wp\/v2\/pages\/8721"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/2025divi.cortho.org\/index.php?rest_route=\/wp\/v2\/media\/15514"}],"wp:attachment":[{"href":"https:\/\/2025divi.cortho.org\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=18891"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}