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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.

Most U. S. states have a 'traditional tort' liability system for auto insurance where if you have an accident, you must sue to determine who was at fault. But, nine U. One quick search to compare cheap car insurance quotes and cover from over 60
motor insurance companies. S. states and all Canadian provinces give drivers the option to operate under a "no fault" scheme where persons injured in automobile accidents are limited in their ability to sue other drivers or vehicle owners involved in an accident unless their injuries are particularly severe. No fault insurance is only available in jurisdictions which have a no fault scheme.

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. However, critics of no fault point out that it 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. Proponents of no fault insurance point out that auto accidents are inevitable and that at-fault drivers should therefore not necessarily be punished, and that the presence of liability insurance prevents at-fault drivers in tort (or fault) systems from perceiving the lawsuit against them as a punishment. Car Search.