What are the differences between a no-fault and a fault-based state for car accident laws?

In California, both no-fault and fault-based car accident laws exist. No-fault states require that all drivers involved in an accident first turn to their own insurance companies for payment and coverage of damages, regardless of who is at fault. This means drivers must first make a claim with their own insurance companies before making a claim with the insurance company of the driver who caused the accident. Fault-based states, on the other hand, allow for victims of an accident to make a claim with the insurance company of the driver responsible for the accident. The person who caused the accident is responsible for paying for any damages resulting from the collision. This is known as liability-based coverage. In California, drivers have the option to choose which type of auto coverage they would prefer - no-fault or fault-based. It is important to speak to a qualified insurance agent to ensure that you are selecting the type of auto coverage that best fits your needs. No-fault insurance can provide quick, timely assistance in the case of an accident, however, fault-based insurance can offer a greater level of coverage for larger accidents and is typically more expensive. No matter which type of coverage you opt for, it is important to be familiar with California car accident laws before you are involved in a collision. Knowing which type of coverage you have and the types of damages you are eligible to seek recovery for can be invaluable when making a claim.

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What are the differences between a no-fault and a fault-based state for car accident laws?

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