No Fault Insurance

Descubra los descuentos y beneficios con el Programa de Seguros para automóviles de AARP de The Hartford.

What Is No Fault Insurance?

With so many seguro para autos coverages available, it may be difficult to understand what each covers and how they differ. If you’re looking for a no fault insurance definition, we’re here to help.
Your no fault auto insurance is also known as personal injury protection (PIP) coverage and helps pay the costs of medical expenses for you and your passengers after a car accident. These benefits apply to anyone in your vehicle, regardless of who is at fault for the collision.
One of the biggest differences between PIP coverage and other types of car insurance is who’s responsible for damages. For example, liability coverage only pays for claims after someone is at fault for an accident. PIP claims are typically covered whether or not you’re at fault. So, if you rear end another car and your passenger is injured, PIP can help pay for their medical costs. PIP will also help pay for your medical treatment if someone backs into your car and injures you.
Keep in mind that no fault insurance isn’t available in all states, so you’ll have to check if you can get it where you live. Some states also don’t require this coverage. For help understanding what’s required in your area, call The Hartford’s representatives at 888-413-8970.

What Does No Fault Car Insurance Cover?

Have you been asking yourself “how does no fault insurance work?” If so, the answer is simple. If you’re in an auto accident and you or your passengers get hurt, PIP insurance can help cover your:
  • Medical bills
  • Health insurance deductibles
  • Lost wages if your injury prevents you or your passengers from working
  • Essential services including child care, cleaning or grocery shopping
  • Funeral expenses if one of your passengers loses their life in a car accident
Don’t forget PIP insurance doesn’t cover every claim. For example, PIP doesn’t pay for property damage. So, if you drive into someone’s fence or dent another car in an accident, your PIP coverage won’t help you pay for the damage. Instead, you’ll need property damage liability insurance to help cover this kind of claim.
On top of this, if you damage your own car in an accident, you’ll need collision insurance to help pay your repairs. Without these policies, you may have to pay costs out-of-pocket. That’s why it’s a good idea to create a complete protection plan by adding other helpful auto insurance coverage types to your policy.

Is No Fault Insurance Optional?

Every state has different laws and expectations for no fault insurance. No fault insurance states that require coverage include:
This insurance protection is optional if you live in:
The majority of U.S. states don’t offer no fault insurance. So, before you buy this coverage, check to see what your state requires. You can also call The Hartford’s representatives at 888-413-8970 if you need help understanding your state’s at fault laws and fault systems.

No Fault or PIP Insurance Coverage Limits

Like other insurance coverages, you’ll want to pick a coverage limit for your no fault policy that fits your needs. This limit determines how much your insurance company will pay for claims if you’re in a car accident. It also helps determine your insurance premiums for this coverage.
To help estimate how much your coverage limit should be, look at your health insurance, what it covers and how much your deductibles are. You’ll also want to consider how other expenses, like lost income or essential services, will impact your family if you’re hurt in an accident. It’s also important to keep in mind that states often require minimum amounts for PIP insurance.
Para mayor información sobre how to get car insurance, get a quote today or call our representatives at 888-413-8970. They’ll answer any questions you have.

How Does No Fault Insurance Work?

If you’re in an accident and have no fault insurance, you can file a PIP claim to cover medical costs. If your insurer helps cover your claims, you’ll receive reimbursement for what you’ve paid.
So, if you get into an accident with another car but have no fault insurance, it’ll help pay for injuries you and your passengers have endured. If you get in an accident in a state without no fault insurance laws and you’re injured, you can:

No Fault Insurance by State

It’s important that you understand what your state’s car insurance laws are. Most states don’t require drivers to carry PIP insurance. Others specify a minimum amount of coverage. If you're not sure if you need PIP insurance, you can check with your state’s motor vehicle agency or insurance department.

Do You Need PIP Insurance?

Depending where you live, you may be required to carry certain coverages like PIP insurance, which helps pay for:

no fault insurance

Depending where you live, you may be required to carry certain coverages like PIP insurance, which helps pay for:

no fault medical insurance

Medical Costs

for you or your passengers regardless of who's at fault for the accident.
death benefits of no fault auto insurance

Funeral Expenses

If you or your passengers lose your life after a vehicle crash.
what is no fault insurance


like childcare, cleaning or grocery shopping if need help because of your injury.
who pays deductible in no fault insurance

Lost Income

if you or your passengers can't work because of an injury from an auto collision.
how does no fault insurance work

Does Your State Require PIP Insurance?

Every state has its own PIP insurance laws and regulations. Do you know yours?
Select a state using the dropdown menu. Note: Coverage is not required in every state.

Get a No Fault Insurance Quote

We’ve worked hard to offer our customers:
  • Special rates
  • Descuentos
  • Beneficios
We also offer different coverages that help protect you and your loved ones on the road. Our representatives are here to help you through every step of the process, whether it’s answering your questions or filing a claim. Get started today by getting a cotización de seguro para autos online or by calling us at 888-546-9099.

What Is a Tort State?

A tort state is one where at-fault drivers are responsible for paying the other driver’s medical expenses after a car accident. These at-fault drivers also pay for lost wages and pain and suffering.
Última actualización: 22 de septiembre de 2023
Divulgaciones adicionales a continuación.
Los resúmenes de las coberturas y las características de las pólizas son únicamente para fines informativos. En caso de que se produzca una pérdida, los términos y condiciones reales establecidos en su póliza determinarán su cobertura.
AARP y sus afiliadas no son aseguradoras. Endoso pagado. The Hartford paga regalías a AARP por el uso de su propiedad intelectual. Estos cargos se utilizan para los fines generales de AARP. En la mayoría de los estados, es necesario ser miembro de AARP para ser elegible para participar en el Programa.
El programa de seguros para automóviles de AARP de The Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está avalado en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Hartford Underwriters Insurance Company; en WA por Hartford Casualty Insurance Company; en MA por Trumbull Insurance Company; y en PA por Nutmeg Insurance Company y Twin City Fire Insurance Company. El programa de seguros para viviendas de AARP de he Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está subscrito en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Property and Casualty Insurance Company of Hartford; en WA por Trumbull Insurance Company; en MA por Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, y Hartford Accident and Indemnity Company; y en PA por Nutmeg Insurance Company. El producto para viviendas no está disponible en todas las áreas, entre las que se incluye el estado de Florida. Los ahorros, los beneficios y las coberturas disponibles pueden variar y es posible que algunos solicitantes no sean elegibles. El programa no está actualmente disponible en Canadá, ni en los territorios o posesiones de Estados Unidos.
1 En Texas, el programa para automóviles está respaldado por Redpoint County Mutual Insurance Company a través de Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company y sus afiliados no son responsables financieramente por los productos de seguros suscritos y emitidos por Redpoint County Mutual Insurance Company. El programa para viviendas está respaldado por Hartford Insurance Company of the Southeast.
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