There is often some confusion surrounding no-fault auto coverage. Justin explains what it really means and what it covers.
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.
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