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

In the United States, there are two main types of states for car accident laws: no-fault and fault-based. In a no-fault state, such as Hawaii, the person who is injured in a car accident is compensated by their own insurance policy, regardless of who is at fault for causing the accident. In a fault-based state, on the other hand, the person who is at fault for the accident is responsible for the damages incurred by the person who was injured. In the no-fault state of Hawaii, a person who is injured in a car accident has a few options. They can either file a claim with their own car insurance policy, they can file a claim against the other driver’s insurance policy, or they can file a lawsuit against the driver who caused the accident. This is sometimes referred to as the “no-fault” system, as each driver will be responsible for the damages they cause regardless of who was at fault for the accident. In a fault-based state, however, an injured person may be able to seek compensation from the person who caused the accident directly. They can do this by filing a civil lawsuit against the driver who caused the accident, in which they must prove that the driver was negligent, or at fault, in the accident. Overall, the main difference between a no-fault and a fault-based state is who is responsible for the damages incurred in a car accident. In a no-fault state, such as Hawaii, the person who is injured is responsible for the damages incurred, regardless of who caused the accident, while in a fault-based state, the person at fault must be held responsible for the damages incurred.

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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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