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Insurance Coverage Tips > Insurance > No-fault Insurance
No-fault Insurance
No-fault insurance is a type of automobile insurance where an insured need only prove that they were injured in an automobile accident (either damage to persons or damage to property) to recover under the policy.
There is no need for them to prove that they were not at fault in the accident, or to prove another party was at fault in the accident.
No fault insurance has the goal of lowering premium costs by avoiding litigation over the cause of the accident, while providing quick payment for injuries caused by the crash.
No fault insurance does not punish reckless or negligent drivers in litigation (because many cases don't go to trial), and that it is particularly difficult to sue if a person's injuries leave them with a handicap.
Pure no-fault systems are where lawsuits are completely (or nearly completely) banned and replaced by universal compensation systems where payment is made irrespective of fault.
Partial no-fault systems are where lawsuits are precluded in many cases but damages exceeding a certain threshold permit a lawsuit to occur.
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