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  2. What does no-fault state mean? - AOL

    www.aol.com/finance/does-no-fault-state-mean...

    Currently, 12 states follow no-fault insurance laws, with the remaining states and Washington, D.C. being considered at-fault states. In a no-fault state, both parties will file a claim with their ...

  3. California car insurance laws - AOL

    www.aol.com/finance/california-car-insurance...

    For example, if a driver with the state’s minimum liability requirements is at-fault in an accident, their insurance company may pay each person in the not-at-fault vehicle up to $15,000 for ...

  4. Personal injury protection - Wikipedia

    en.wikipedia.org/wiki/Personal_injury_protection

    In Texas, PIP coverage will cover medical expenses, eighty percent of lost wages, and someone to take care of the injured party. Some states also allow for PIP claims even if a workers' compensation claim exists, while others do not. Some states PIP is the insurance of first resort to pay for medical bills when injured in an automobile accident ...

  5. No-fault insurance - Wikipedia

    en.wikipedia.org/wiki/No-fault_insurance

    In states where there is a choice of coverage, most consumers choose traditional tort regimes because the cost of the no-fault regime is more expensive. 24 states originally enacted no-fault laws in some form between 1970 and 1975; several of them have repealed their no-fault laws over time. Colorado repealed its no-fault system in 2003.

  6. Vehicle insurance in the United States - Wikipedia

    en.wikipedia.org/wiki/Vehicle_insurance_in_the...

    Uninsured/Underinsured coverage, also known as UM/UIM, provides coverage if an at-fault party either does not have insurance, or does not have enough insurance. In effect, the insurance company pays the insured medical bills, then would subrogate from the at fault party. This coverage is often overlooked and very important.

  7. What happens if you drive without insurance in California? - AOL

    www.aol.com/finance/happens-drive-without...

    California is a “no pay, no play” state, which prevents an uninsured not-at-fault driver from suing an insured at-fault driver for non-economic damage, such as pain and suffering or inconvenience.

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