What does 'no-fault insurance' mean?

No-fault insurance is a system designed to streamline the process of obtaining compensation for injuries and damages after an accident, regardless of who caused it. With this type of insurance, individuals can file claims with their own insurance companies for medical expenses and other losses, without needing to establish fault or liability. This approach significantly reduces the need for litigation, as it allows for quicker resolution of claims and minimizes disputes over who is responsible for the accident.

In a no-fault system, the primary goal is to ensure that victims receive prompt medical care and compensation for their losses. Regardless of fault, each driver typically receives benefits to cover medical expenses and lost wages, which aligns with the focus of no-fault insurance on facilitating immediate support for affected individuals rather than assigning blame.