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No Fault simply means that each Insurer pays for the medical losses up to their own insureds policy limits. Those costs are then generally subrogated from The Insurance Company of the driver determined at Fault in the accident or from the individual if uninsured at the time of the accident. NO-Fault applies to injuries, not to property damage.
The intent of No Fault statutes is to help alleviate congested courts from law suits and to expedite coverage payments for injured parties. Most states thus far however have rejected the No-Fault concept either partially or entirely because it tends to punish both drivers regardless of fault and leads to higher Auto Insurance rates for the consumer in those states that have passed No-Fault statutes.
If damages exceed the limits of the Insureds policy then you can still pursue the at fault party for uncovered losses.
No Fault Auto Insurance States - 12 States
- New York
- Massachusetts
- Florida
- Hawaii
- Kansas
- Michigan
- Minnesota
- North Dakota
- Utah
- Puerto Rico (US Territory)
States in Which No-Fault Auto Insurance is an available option but not mandatory.
- Kentucky
- New Jersey
- Pennsylvania
All states have some form of Personal Injury Protection requirement which is often confused with no fault statutes.
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What states are nofault car insurance?
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Who regulates auto insurance?
In the Unites States, insurance is regulated by your states Insurance Commissioner or it's equivalent.
Is there ever Racial profiling in auto insurance companies?
No, Auto Insurance Applications in the United States do not ask a persons race.
How many states don't have to have auto insurance?
2
What auto insurance is required in the United States of America?
Auto insurance laws in the United States vary by state. The majority of states require that you have a minimum amount of liability insurance. This insurance covers third party injuries and property damage when you are found at fault for an auto accident. The only states that do not have some sort of minimum insurance law is New Hampshire and Wisconsin. In addition to liability coverage some states require PIP insurance and uninsured motorist insurance as well.
Who owns state Auto insurance?
State Auto Insurance Company is a large insurance company that writes auto, home, and other lines of insurance in most states. I don't believe it is part of another group but it owns other insurance companies as subsidiaries of State Auto.
Where is West Coast Auto Insurance located?
West Coast Auto Insurance is located in Anaheim, California, United States. They are a business that provides their customers with auto insurance and can offer quotes to the clients.
Is there an auto insurace tax?
Several state have and auto insurance tax. Some states do not have the tax. The federal government does not tax auto insurance. The state of Michigan imposes a six percent tax on auto insurance policies.
What branch of the federal government is responsible for auto insurance?
None, insurance is regulated by states.
Can I apply for services on the Affirmative Auto Insurance website?
Affirmative Auto Insurance is only sold by Agents in 11 States, but you can go to the Website and Request Auto Insurance Quotes from the Agents that Sell Affirmative Auto Insurance. You can also find a listing of Agencies that Sell Affirmative Auto Insurance of the Website as well.
Which states do not require liability coverage for auto insurance?
All states either require insurance or proof of financial responsiblity.
Does auto insurance cost more in AZ than in MA?
No. Massachusetts is a very expensive state for auto insurance. Most states will be cheaper.
