Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Written by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Reviewed by Sara Routhier
Director of Outreach Sara Routhier

UPDATED: Jan 20, 2012

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Even if you do not live in a state that requires no fault car insurance, you may want to seriously consider having it anyway. The benefits of making sure you have the coverage you should, far outweigh the possible slight premium price increase. In fact, by getting no fault insurance quotes from different providers competing for your business you may even find you could be adding no fault auto insurance to your policy without raising the rate of your premiums at all.

Getting Your No Fault Car Insurance

The first thing you will want to do is find out if your state is or is not one that requires no fault insurance. These types of regulations can change on a regular basis, so it is a good idea to check with your local DMV, look online for your state’s government website or speak with your automobile insurance agent to find out where your state falls. You can even find out while getting your free online quotes from no fault auto insurance providers whether or not your state has made this mandatory. Even if not though, you should get your free quotes to help decide because you may find it is much more affordable than you think.

What Does No Fault Auto Insurance Cover?

You may not be familiar with what no fault insurance covers so it is a good idea to understand these details. By doing this you can have a clear understanding of the true nature of the importance of it.

  • The idea behind no fault car insurance is that each driver involved in an accident has insurance that covers the driver regardless of whose fault the accident was. This has helped drivers reduce the amount of lawsuits that must be brought against one another to cover repairs or medical expenses.
  • It has also resulted in the ability of anyone involved in an accident to receive immediate medical treatment without having to try to first get information from the at fault driver’s insurance.
  • This type of auto insurance may also cover things such as death and funeral expenses.
  • No fault car insurance also takes away the stress of injured drivers or passengers having to worry about loss of wages due to an accident.

Other Details about No Fault Policies

Believe it or not, one of the benefits of no fault insurance policies being available is that it has helped reduce the overall cost on insurance premiums. With every driver or passenger being covered for repair expenses, medical costs or even lost wages, it means a lowered amount of necessary lawsuits. When automobile insurance providers can cut down on their legal expenses, it results in lowered premium costs for policy holders.

The no fault insurance is not without some faults of its own. For instance this type of car insurance does not generally cover pain and suffering such as mental or emotional distress. Also damage caused to things such as city property including phone poles may not be covered. To find out how easy it is to afford your no fault insurance supply your zip code and get your insurance quotes.