This term is often used to define any auto insurance program that may allow the insured a way to recover certain losses from their own auto insurance provider regardless of who was at fault in an auto collision. However, there are certain guidelines and laws are different from one state to the next.
In its most strict form, no fault auto insurance applies only to certain state laws that not only provide for the insurance payment of no fault first part benefits, but they also restrict the right to sue. The benefits coverage of the first party (policyholder) is known as the PIP or personal injury protection.
Under the more recent no-fault auto insurance laws, policyholders may sue under certain conditions such as those who may have endured severe injuries and pain and suffering. These certain conditions are also known as the threshold which relates the injury severity. Laws regarding thresholds are different from state to state.
A Verbal threshold may be expressed in descriptive verbal terms. States that use verbal threshold include Florida, Michigan, New Jersey, New York and Pennsylvania
A Monetary threshold is expressed based on medical bills or dollar amounts. States that have implemented monetary threshold systems include Hawaii, Kansas, Kentucky, Massachusetts, Minnesota, North Dakota and Utah.
There are also three states that have a "choice" No-Fault Law. These injured motorists and/or passengers in these states may retain the right to sue another driver for any auto-related injury by rejecting the lawsuit threshold. These three states include New Jersey, Pennsylvania and Kentucky.
The Coalition Protection Auto No-Fault is the group hosting town hall meetings all across the state of Michigan. The intent of the meetings is to educate people of Michigan on the proposed changes to the State’s current no-fault law. There will also be people speaking about their experience after their involvement in major auto accidents.
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