Justin Kraus, Personal Lines Manager, discusses what auto “no fault” really means.
New York is one of the 12 states that have No-Fault coverage. It is a common misconception that No fault means you can not be blamed for the accident. However, when discussing No fault coverage, it is strictly related to Personal Injury protection.
No fault will cover you if you are a driver, passenger, or pedestrian who was struck by a vehicle. No fault was enacted to ensure that insurance companies would pay for legitimate crash related expenses. Some of the most common no fault coverages are, medical expenses, lost earnings, and incidental cost regardless of who was at fault. No fault is a very broad coverage and offers comprehensive protection when involved in an auto accident.