currently 11 states and Puerto Rico have "no-fault" insurance. New York, New Jersey, Michigan, Pennsylvania, Florida, Hawaii, kansas, Kentucky, massachussetts, minnesota, North Dakota and Utah.
California, Nevada, and Oregon are no fault states. If you need a complete list of all the fifty states that are no fault or driver fault states you can ask an insurance agent.
According to http://accident-law.freeadvice.com/auto/fault-no-fault-car-accidents.htm, Texas is one of the states which has some form of no-fault law.
About No-Fault Auto InsuranceNo State in America Has true No Fault Auto Insurance, Sometimes referred to as Personal Injury Protection. Despite the misleading name, all U.S. States with No-Fault statutes practice it in hybrid form. In simpler words. The at fault Driver is still Financially Liable for any damages or injuries incurred if that damage is above the law's threshold. By virtue of having an auto Insurance Policy, the insurer assumes responsibility for paying those liabilities up to the specified policy limits and or your states statutory regulations. 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 StatesNew YorkMassachusettsFloridaHawaiiKansasMichiganMinnesotaNorth DakotaUtahPuerto Rico (US Territory)States in Which No-Fault Auto Insurance is an available option but not mandatory.KentuckyNew JerseyPennsylvaniaAll states have some form of Personal Injury Protection requirement which is often confused with no fault statutes.
texas is a no fault state.
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.
no
No it is not
No fault insurance is a good option. There are copanies in AZ that offer this service.
Ameriprise and Geico are two agencies that offer no fault auto insurance in Florida. Some other providers include 21st Insurance and Brightway Insurance.
Your insurance will have to pay regardless if the other person has insurance or not. You were at fault.
No-fault insurance generally refers to the individual working with their own insurance company, despite who may have been at fault for the accident. In Ontario, the Ontario Auto Insurance sells no-fault insurance.
If it is found to be your fault, then your insurance could go up. If you are found to be at fault, then it shouldn't.