What is a no-fault state, and how does it impact your auto insurance?

No-fault states limit the ability to sue another driver for injuries or pain and suffering after a car accident. Drivers in these states are often required to carry insurance that pays for their own injury-related costs — such as personal injury protection or medical payments coverage. These coverages extend to the insured driver’s passengers as well. Here’s a look at which states have “no-fault” insurance laws, how the insurance in those states works, and the pros and cons of no-fault auto insurance. L ...