No Fault Auto Insurance

No fault auto insurance provides coverage for vehicular and personal damages of the insured in case of an accident no matter who is to blame for the accident. Only thirteen states as the present time have no fault car insurance protection for its state's citizens. These states operate under a modified standard that offers coverage up to a specified limit for those involved in an accident. If the specified limit is exceeded in damages, the policyholder can sue for further compensation. There are no states in the US that operate under an absolute standard, but these thirteen states offer the closest thing to it.

Most policies have some form of specific stipulations within their coverage such as payment for medical bills or compensation for workdays lost that doesn't depend on who is to blame. There are different amounts of coverage in policies such as liability that covers only the other driver. Full coverage covers both the policyholder and the other vehicle according to the policy stipulations. These types of coverage may include some elements of no fault auto insurance but do not automatically cover the policyholder without basing some coverage on who is found at fault. Many times the attending police officer at an accident scene is the one who determines who benefits from any no fault car insurance clause within the typical car coverage. Honesty is very important when reporting an accident. Not only will it help in the long run of figuring out who should pay for cost, but God commands all people to live as honestly as possible.

Modified versions of policies that are found within the particular states that offer it, allow for compensation up to a limited amount with no prohibition on suing for further damages. No fault car insurance would not allow for suing for further damages from either party in a vehicular accident. The benefits are useful in that the liability for damages based on personal fault in any accident doesn't get placed on anyone. On the other hand, in case of catastrophic damages, neither are they allowed to sue for compensation. There is protection from many angles from no fault auto insurance for any policyholder as well as some negatives.

Currently not one state uses this practice in entirety, although most policies continue to offer some features. If a person is located within the thirteen states that do offer a more streamlined version of no fault car insurance, that person has benefits from the safety from lawsuits and loss of property compensation based on whose fault regarding an accident. Many car insurance companies offer many benefits within various insurance plans. Check with several sources to determine the best car insurance featuring the most options.