{"id":5176,"date":"2024-11-07T22:57:13","date_gmt":"2024-11-08T06:57:13","guid":{"rendered":"\/wp-site\/?p=5176"},"modified":"2025-11-20T15:06:02","modified_gmt":"2025-11-20T23:06:02","slug":"at-fault-states","status":"publish","type":"car-insurance","link":"https:\/\/jerry.ai\/car-insurance\/at-fault-states\/","title":{"rendered":"At-Fault States and Car Insurance: What to Know"},"content":{"rendered":"\n

In an “at-fault” state, the person who caused the accident has to cover all the costs<\/strong>, from injuries to property damage \u2014 so if you cause a wreck, your policy pays for the other person’s expenses. And if they cause the accident, their insurance pays for yours. This is the most common system, used in 38 states plus Washington D.C.<\/strong><\/p>\n\n\n\n

\n \nJerry has helped 242,757<\/span> drivers <\/strong>in at-fault states compare car insurance quotes and encourages drivers in these states to consider higher liability limits <\/strong>than state minimums.\n<\/p>\n\n\n

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Jerry pulls up to 20 quotes from top rated carriers.<\/strong><\/p>\n\n\n\n

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Compare quotes<\/a><\/div>\n<\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n

At-fault vs. no-fault states: What’s the difference?<\/h2>\n\n\n\n

The key difference is who pays for your injuries after an accident<\/strong>:<\/p>\n\n\n\n

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\u2696\ufe0f At-fault states<\/strong>
The driver who caused the crash (and their insurance) pays for everyone’s medical bills and damages.<\/p>\n<\/div>\n\n\n\n

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\ud83d\udee1\ufe0f No-fault states<\/strong><\/a>
Your own insurance pays for your medical bills through personal injury protection<\/a> (PIP) coverage, regardless of who caused the accident.<\/p>\n<\/div>\n<\/div>\n\n\n

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Jerry recommends:<\/strong> Compare car insurance quotes in the Jerry app, where you can see personalized quotes in minutes, including the relative costs of liability insurance or personal injury protection.<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n

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Jerry pulls up to 20 quotes from top rated carriers.<\/strong><\/p>\n\n\n\n

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Compare quotes<\/a><\/div>\n<\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n

Which states are at-fault states?<\/h2>\n\n\n\n

The majority of states use at-fault insurance systems, where you pay all costs related to accidents you cause.<\/strong> <\/p>\n\n\n\n

Most states require minimum coverage of 25\/50\/25<\/strong>, which means:<\/p>\n\n\n\n

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  • $25,000<\/strong> per person for injuries.<\/li>\n\n\n\n
  • $50,000<\/strong> total per accident for injuries.<\/li>\n\n\n\n
  • $25,000<\/strong> for property damage.<\/li>\n<\/ul>\n\n\n\n

    Here’s a map of at-fault and no-fault states. Hover over your state to see specific regulations.  <\/p>\n\n\n