Understanding No-Fault Auto Insurance

No-fault auto insurance is a system in some states where, after an accident, each driver’s insurance policy covers their medical expenses and certain other losses, regardless of who caused the accident. The goal is to streamline the claims process and ensure prompt payment for injuries.

How Does No-Fault Insurance Work?

In states with no-fault laws, drivers typically file claims with their own insurer for injuries and related costs, rather than pursuing the at-fault driver’s insurance. This can help reduce delays and legal disputes. No-fault coverage often includes:

• Medical expenses for you and your passengers
• Lost wages due to injury
• Essential services (like household help if you’re unable to perform daily tasks)

It’s important to note that property damage is usually not covered under no-fault provisions and may still be handled through traditional liability claims.

What Does No-Fault Mean for Arizona Drivers?

Arizona is not a no-fault state. Instead, Arizona follows a traditional at-fault system. This means that the driver responsible for causing an accident is also responsible for paying the damages, typically through their liability insurance. If you’re injured in an accident, you may file a claim with the at-fault driver’s insurer or pursue compensation through your own policy if you have additional coverage like medical payments or uninsured motorist protection.

Our team can help you explore options that provide extra financial protection, such as uninsured/underinsured motorists and medical payments coverage.

Making the Right Choice

Cashway Auto Insurance is here to answer your questions and help you find the Arizona car insurance that fits your needs and budget. If you want to learn more about your options or review your current policy, contact us today.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.