What is no-fault insurance?

No-fault insurance, as it pertains to accident law in Oklahoma, is a type of insurance coverage that applies to an accident regardless of who is at fault. It is also referred to as Personal Injury Protection (PIP) insurance. This type of insurance is typically purchased alongside traditional auto insurance policies. Unlike traditional auto insurance policies, which require one party to be at fault for an accident before any coverage is provided, no-fault insurance covers you and your passengers regardless of who is to blame. This type of insurance covers medical and rehabilitation expenses, lost wages, childcare, and other related costs associated with the accident. It does not, however, cover any property damage caused by the accident. In Oklahoma, drivers are required to carry a minimum of $25,000 in no-fault coverage.

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