What is a No-Fault Accident?

No-fault accident is a type of accident in which both parties involved in a collision are covered by their own insurance plans for medical costs and other expenses. It is a type of auto insurance that is required in Kansas when you purchase automobile liability insurance. This type of coverage pays for the damages caused to you and your vehicle, irrespective of who caused the accident. No-fault accidents differ from other types of accidents as they do not put fault or blame on either party. This means that the insurance carrier pays for the damages no matter who is at fault, limiting the amount of time and expense it takes to settle the claim. It also eliminates the need for fault to be determined and the resulting court proceedings. No-fault coverage includes medical expenses, lost wages, and funeral expenses that result from injuries sustained in the accident. It also covers personal property damage, such as damage to your vehicle or personal items in the vehicle. There are limits to what is covered and it varies from policy to policy. No-fault insurance provides all drivers with peace of mind when it comes to their liability and keeps them from being personally liable for the damages sustained in a car accident. However, it is important to note that although no-fault insurance is the law in Kansas, it does not mean that the other party involved in the car accident is completely off the hook. In some cases, the other party may still be held liable for the damages that were caused.

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What is a No-Fault Accident?

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