What is a No-Fault Accident?

A no-fault accident is a type of accident in which both parties involved in the accident are responsible for their own medical expenses and property damage regardless of who is responsible for causing the accident. In states that employ a no-fault system, an individual involved in an accident will seek reimbursement from their own insurance company for their own medical expenses, property damage, and other losses, rather than from the other party involved in the accident. Hawaii is one of the states that have adopted a no-fault system in regards to accident law. In these no-fault states, individuals are required to possess a no-fault insurance policy that covers up to a predetermined amount of expenses that can be used to cover medical expenses, lost wages, and other losses that may occur from an accident. In addition, no-fault states normally have laws that limit the ability of an individual to file a lawsuit against the other party if the damages are below a certain amount. No-fault states are designed to allow individuals to receive compensation for their damages without having to go through lengthy and expensive court proceedings.

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What is a No-Fault Accident?

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