If you live in a state with no-fault auto insurance, you need to understand what it does and doesn't do.
No-fault requires drivers to carry insurance for their own protection, and places limitations on their ability to sue other drivers for damages.
First, understand that some states are called "no-fault" states and others are "tort" states, also called "choice" states.
Although laws vary from state to state, here's the basic premise: When you have an accident in either a tort or no-fault state, your insurance company pays for any injuries you sustain.
If you want to make sure you have the best coverage for your needs, you want to find out which kind of system your state has.