What is no-fault insurance?

No-fault insurance is a type of insurance system that is used in certain states, such as Washington. It is a system in which each driver’s insurance covers their own medical expenses and damage to their vehicle, regardless of who is at fault for the accident. In a no-fault insurance system, drivers are not allowed to sue others for damage caused by their collision. For example, if two drivers get into an accident and one of them is injured, the injured driver cannot sue the other person for any related medical expenses or property damage. Instead, the injured party’s insurance company will cover the costs. The purpose of no-fault insurance is to make it easier for parties to be compensated for the damages caused in an accident without having to sue each other. Furthermore, it helps reduce the amount of time it takes for the involved parties to resolve their claim, as well as the cost of legal expenses. The no-fault system is not used in all states, so it is important to check with your insurance provider to determine what coverage you have in case of an accident. Generally, it is beneficial to have both types of insurance coverage as it provides more protection in the event of an accident.

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