No-Fault Auto Insurance Explained

No-fault auto insurance is coverage which operates under the rule that no single driver was at fault in a car accident. Therefore no fault is determined in a car accident and each injured party will file a claim with their own respective auto insurance company for damages. For example, if Robert and Susan get in a car accident, Robert will file a claim with his insurance company and Susan wile file a claim with hers regardless of who was at fault – because there was no one at fault.

There are two types of “no fault auto insurance”. The most common type is the pure form which limits liability and a person’s right to sue in a car accident with the exception of major injuries, extreme negligence and a small number of other reasons. Most car accidents which happen under no-fault car insurance coverage simply end up with a claim for damages and injury costs with no punitive or nuisance lawsuits.

The other type of no-fault auto insurance is the “add-on” option available in some states. The advantage of adding a no fault car insurance option to your policy in these states is that you can file a claim with your car insurance company regardless of who was at fault. This insures the policyholder a quick claims handling process but because its just an “add-on”, and not a pure form of no fault insurance, there is no protection from frivolous litigation in a car accident. Most states only offer the pure form of no fault car insurance.

Can I still be sued with No Fault Auto Insurance?

Yes, “no-fault auto insurance” is not a diplomatic immunity like blanket of protection from all liability in a car accident. However certain financial thresholds must be met before the court will allow a lawsuit to proceed. Monetary damages are not the only reason you can be sued – In cases where a driver operated a vehicle with extreme negligence, people suffered extreme injuries and a variety of other reasons can still open you up to litigation. One of the most common reasons to be sued with no fault auto insurance is actually being underinsured as there is no law preventing someone from suing for damages which exceed your policy limits and you didn’t pay. However for most typical accidents you don’t have to worry about a car accident lawyer showing up at your door serving a lawsuit. If you only purchase the add-on type of no fault car insurance all bets are off and the ambulance chasing lawyers can sue you.

What are the advantages of No Fault Auto Insurance?

No-fault car insurance laws were created to help reduce the amount of nuisance lawsuits resulting from car accidents, save courts money from dealing with these suits, limit the liability of car insurance companies and create a quicker claims handling process for policyholders. In theory no fault car insurance provides a lot of protection however some states have reverted back to traditional tort law even after having no fault car insurance in place for years. There is a lot of debate about the effectiveness of no fault car insurance laws in the bigger picture but as a driver there are many advantages to living in a state with no fault auto insurance including a faster claims handling process and limiting exposure to frivolous lawsuits.

What states have no fault auto insurance laws?

Only about a dozen states have no-fault car insurance laws currently in place. Some states require all drivers to have no fault car insurance coverage whereas others provide drivers an option to choose between typical coverage and no fault coverage. The state where no fault auto insurance is in place includes:

· Florida

· Hawaii

· Kansas

· Kentucky

· Massachusetts

· Michigan

· Minnesota

· New Jersey

· New York

· North Dakota

· Pennsylvania

· Utah

How much car insurance required will depend on where you live but in addition to any required liability insurance you will also be required to purchase PIP insurance (personal injury protection) to cover any medical expenses of the policyholder in a car accident.

How much is No Fault Auto Insurance?

There are many reports which say no fault car insurance is cheaper and then there are others which say the cost of auto insurance is roughly the same compared to typical coverage. The problem lies with auto insurance being a relatively equal cost for most drivers that its hard to measure the difference.

Getting Online Auto Insurance Quotes

Are you searching for better auto insurance rates? Are you tired of feeling as though you’re overpaying despite your spotless driving record? If so, it’s about time you started shopping around for the best auto insurance rates from a new auto insurance company. Thanks to the web, motorists are no longer limited to dealing exclusively with local agents and hoping for the best deal. Instead, the internet has opened a new door for those who are looking to compare auto insurance rates and get the best value for their money.

When shopping online, the process of choosing an auto insurance company is a bit more involved than simply asking your neighbor which local agent he/she deals with. When you shop online, you may be required to do a bit more footwork on researching the auto insurance company, but the end results can pay off in a very big way. The best way to find a respectable auto insurance company is to research their history, learn about their policies and how long they have been in business, check their reputation with the Better Business Bureau and request a free auto insurance quote.

What is the most common way that an auto insurance company could compete for your business? By offering the lowest auto insurance rates, correct? If you said yes, then getting auto insurance online may be the way to go. Because there’s so much more competition online, companies must work harder to get your business. In most cases, you can complete a request for a free auto insurance quote online in a matter of minutes. Depending on the auto insurance company, the number of requests and day of the week, it may take hours or several days to receive a response. The best part, however, is that you can shop from a nation of auto insurance companies with the click of a button and never even have to step out your front door.

Free auto insurance quotes online are very valuable for any number of reasons, including the obvious fact that they cost you absolutely nothing. Not to mention, the option is very convenient for someone who lives in a rural location and perhaps isn’t close enough to visit several auto insurance companies or doesn’t have the access to a great number of companies because of the fact that they reside in a small town. Where there’s less competition, the prices are higher. But the internet has changed the face of competition by bringing a variety of options to those who either enjoy the convenience that the world wide web can offer or those who need the competitive pricing that simply isn’t available in their area. Whether you are shopping for Pennsylvania auto insurance, New York auto insurance, Florida auto insurance, Arizona auto insurance, California auto insurance or anywhere in between, you can search for discount auto insurance rates from the comfort of your favorite recliner.

The information in this article is provided for reference purposes only. It should not be used as, in place of or in conjunction with professional financial or insurance advice relating to auto insurance quotes, discount auto insurance or auto insurance rates. For additional information or to receive an auto insurance quote, contact a local auto insurance company.

Best California Auto Insurance

Auto insurance with optional coverage is required to meet the vast expense of money involved in accidents. In California, auto insurance for drivers is required by the law. Through the best California auto insurance, a driver or car owner gets proper protection against liability for bodily injury and other property damages.

The primary consideration in choosing the best California auto insurance is the insurance price. An inflated insurance rate will increase expenses and may prevent you from purchasing a new car. The best California auto insurance offers good coverage at an affordable rate. It offers comprehensive service over inopportune auto incidents, fire, theft and natural disasters. In addition, the best auto insurance has the credit for handling all types of auto claims fairly and quickly, and shows good financial stability of A+ or above. The best California auto insurance is capable of covering almost all insurance aspects, including the liability and uninsured motorist coverage for $100,000 or $300,000 or $100,000, medical payments for $5,000, collision coverage for $500 and comprehensive coverage for $500.

As auto insurance is mandatory by California law, the demand for auto insurance is high. There are a number of auto insurance agencies with a range of insurance schemes. So, drivers should be careful when selecting their auto insurance. A thorough search of more than 25 auto insurance agencies is essential to choose the best auto insurance. In addition, you can gather information from the online quotes of different insurance companies and from auto insurance specialists. Individuals can evaluate rates and services with different insurance providers and decide on the company that provides the best auto insurance.

A leading auto insurance vendor in California, Progressive Auto Insurance offers the best auto insurance for commercial and non-commercial automobiles. Having a customer base of more than 12 million, the provider is at the top in supplying insurance products into newer territories. California auto insurance is also available online.