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What you need to know about no-fault insurance systems in the US

UNITED STATES, JUL 31 – No-fault insurance speeds claims and limits lawsuits while at-fault systems assign driver responsibility; 12 states require Personal Injury Protection, including New York and Michigan.

  • No-Fault auto insurance systems in twelve U.S. states require drivers to file injury claims with their own insurers regardless of fault.
  • These systems developed to reduce lawsuits and speed access to medical care by removing the need to prove fault after crashes.
  • Personal Injury Protection coverage forms the core of no-fault insurance, paying medical bills, lost wages, and sometimes burial expenses promptly.
  • For example, Michigan offers PIP coverage options from $50,000 to unlimited, covering all medical expenses regardless of fault, while New York requires at least $50,000 PIP with strict injury thresholds to sue.
  • No-Fault insurance limits legal claims but ensures faster financial relief, whereas traditional at-fault systems hold the responsible driver liable and allow immediate lawsuits.
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The Times of Northwest IndianaThe Times of Northwest Indiana
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What you need to know about no-fault insurance systems in the US

Recovery Law Center reports on no-fault auto insurance, highlighting quick claims payout and limited lawsuit options in specified states.

·Cherokee County, United States
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Global News broke the news in Toronto, Canada on Thursday, July 31, 2025.
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