{"id":7322,"date":"2024-11-10T19:58:45","date_gmt":"2024-11-11T03:58:45","guid":{"rendered":"\/wp-site\/?p=7322"},"modified":"2025-03-10T09:42:00","modified_gmt":"2025-03-10T16:42:00","slug":"no-fault-states","status":"publish","type":"car-insurance","link":"https:\/\/jerry.ai\/car-insurance\/no-fault-states\/","title":{"rendered":"The Guide to No-Fault Insurance &amp; No-Fault States"},"content":{"rendered":"\n<p>In a no-fault insurance state, <a href=\"\/car-insurance\/\">auto insurance<\/a> laws require you to file any injury claims with your own insurance company regardless of who was found at fault. No-fault insurance, also known as Personal Injury Protection (PIP), covers medical expenses and lost wages, while property damage is covered separately through property damage liability or collision insurance. <\/p>\n\n\n\n<p>This differs from at-fault states, where auto accident victims file injury and property damage claims with the insurance company of the driver who was found at fault.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"what-is-a-no-fault-state\">What is a no-fault state?<\/h2>\n\n\n\n<p>In a no-fault state, drivers <a href=\"\/car-insurance\/car-insurance-claim\/\">file auto insurance claims<\/a> with their own insurance provider, regardless of who caused the accident. The person who caused the accident will still be required to pay for property damage, but in most cases you can only file a personal injury claim with their insurance company after you\u2019ve exhausted your own coverage limits.&nbsp;<\/p>\n\n\n\n<p>No-fault states have these insurance laws in part to reduce the number of small claims court cases resulting from car accident-related disputes. However, this also means that after an accident in which you or your passengers were injured, your rights to sue the other driver for damages are limited.<\/p>\n\n\n\n<p>It also means <a href=\"\/car-insurance\/is-car-insurance-required\/\">state minimum car insurance laws<\/a> are different in no-fault states. Even in a no-fault state, insurance laws require liability coverage for property damage, and all no-fault states except Florida still require <a href=\"\/car-insurance\/bodily-injury-liability\/\">bodily injury coverage<\/a>. However, you\u2019ll also need to add <a href=\"\/car-insurance\/personal-injury-protection-insurance\/\">personal injury protection (PIP)<\/a> to your policy to cover your medical expenses following an accident.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"pros-and-cons\">Pros and cons of living in a no-fault state<\/h2>\n\n\n\n<p><strong>Pros<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>PIP is part of required minimum coverage, so every registered driver must have it.<\/li>\n\n\n\n<li>You\u2019ll generally get help with medical bills faster.<\/li>\n\n\n\n<li>Even if you cause the accident, you\u2019ll likely still get some insurance help with claims.<\/li>\n\n\n\n<li>No-fault state laws place limits on lawsuits, so you have some protection if you cause an accident.<\/li>\n<\/ul>\n\n\n\n<p><strong>Cons<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Your insurance pays for your injuries no matter who caused the accident, so you\u2019ll likely have to pay a <a href=\"\/car-insurance\/car-insurance-deductible\/\">deductible<\/a> if your plan comes with one.<\/li>\n\n\n\n<li>The other party\u2019s insurance company usually only covers your medical costs after you reach your own PIP limits, even if the other driver is at fault.<\/li>\n\n\n\n<li>In an accident where you&#8217;re found at fault, damages to your vehicle are only covered if you purchase separate <a href=\"\/car-insurance\/collision-insurance\/\">collision insurance<\/a>.<\/li>\n\n\n\n<li>If the other driver is at fault, it can be harder to bring them to court.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-separator-jerry-default\"\/>\n\n\n\n<p><strong>Learn more: <\/strong><a href=\"\/car-insurance\/at-fault-accident\/\">What is an at-fault accident?<\/a><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-separator-jerry-default\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"what-states-no-fault\">What states are no-fault?<\/h2>\n\n\n\n<p>State auto insurance laws vary widely but generally fall into four categories: no-fault, tort liability (at-fault), choice no-fault and add-on no-fault. The key differences lie in whether lawsuits are restricted, if your own insurer covers initial costs regardless of fault and how certain claims are processed regardless of fault.<\/p>\n\n\n\n<p>So, which states are no-fault?<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>No-fault states:<\/strong> FL, HI, KS, KY, MA, MI, MN, NJ, NY, ND, PA, UT.<\/li>\n\n\n\n<li><strong>Choice no-fault states: <\/strong>In Kentucky, New Jersey, and Pennsylvania, drivers are allowed to choose to be held to a no-fault system or an at-fault \u2014 aka \u201ctort\u201d \u2014 system. These are called \u201cchoice no-fault\u201d states. Opting for a full-tort or tort-liability policy in these three states gives you the same coverage and rights to sue as those you\u2019d have in an <a href=\"\/car-insurance\/at-fault-states\/\">at-fault state<\/a>. However, your insurance won\u2019t cover you as thoroughly if you opt for this, and in Kentucky, you\u2019ll lose access to PIP coverage.<\/li>\n\n\n\n<li><strong>Add-on no-fault states: <\/strong>PIP is required for no-fault insurance, but there are currently several states that allow drivers to add optional PIP coverage to their at-fault car insurance policy. These states, called add-on no-fault states, include: AR, DE, MD, NH, OR, SD, TX, VA, WA and WI. While you can get no-fault insurance in these states, they aren\u2019t officially considered no-fault by the <a href=\"https:\/\/www.iii.org\/article\/background-on-no-fault-auto-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">Insurance Information Institute<\/a> because they have fewer restrictions on a driver\u2019s rights to sue for damages after an accident.<\/li>\n\n\n\n<li><strong>Tort liability states, or at-fault states: <\/strong>All other states are known as at-fault states. Anyone found at fault in a car accident here can be sued for damages. This includes both direct costs like medical bills and property damage and indirect costs like pain and suffering.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"insurance-requirement\">How much car insurance is required in no-fault states?<\/h2>\n\n\n\n<p>Every true no-fault state requires drivers to carry <a href=\"\/car-insurance\/property-damage-liability-car-insurance\/\">property damage liability coverage<\/a>, and all except Florida also require bodily injury liability coverage. Of the true no-fault states, six also require <a href=\"\/car-insurance\/uninsured-motorist-coverage\/\">uninsured\/underinsured motorist<\/a> coverage (UM\/UIM) for bodily injury and property damage, an additional coverage in case you get into an accident with someone who has inadequate insurance coverage.&nbsp;Here is a breakdown of state minimum insurance requirements for each no-fault state.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>State<\/strong><\/td><td><strong>Minimum insurance requirements<\/strong><\/td><\/tr><tr><td><a href=\"\/car-insurance\/florida\/\">Florida<\/a><\/td><td>$10,000 PD<br>$10,000 PIP<\/td><\/tr><tr><td>Hawaii<\/td><td>$20,000\/$40,000 BI<br>$10,000 PD<br>$10,000 PIP<\/td><\/tr><tr><td><a href=\"\/car-insurance\/kansas\/\">Kansas<\/a><\/td><td>$25,000\/$50,000 BI<br>$25,000 PD<br>$4,500 PIP<br>$25,000\/$50,000 uninsured\/underinsured motorist coverage (UM\/UIM)<\/td><\/tr><tr><td><a href=\"\/car-insurance\/kentucky\/\">Kentucky<\/a><\/td><td>$25,000\/$50,000 BI<br>$25,000 PD<br>$10,000 PIP<\/td><\/tr><tr><td><a href=\"\/car-insurance\/massachusetts\/\">Massachusetts<\/a><\/td><td>$20,000\/$40,000 BI<br>$5,000 PD<br>$8,000 PIP<br>$20,000\/$40,000 UM\/UIM<\/td><\/tr><tr><td><a href=\"\/car-insurance\/michigan\/\">Michigan<\/a><\/td><td>$50,000\/$100,000 BI<br>$10,000 PD<br>$50,000\u2013unlimited PIP (Medical PIP optional)&nbsp;<br>$1 million property protection insurance (PPI)<\/td><\/tr><tr><td><a href=\"\/car-insurance\/minnesota\/\">Minnesota<\/a><\/td><td>$30,000\/$60,000 BI<br>$10,000 PD<br>$40,000 PIP<br>$25,000\/$50,000 UM\/UIM<\/td><\/tr><tr><td><a href=\"\/car-insurance\/new-jersey\/\">New Jersey<\/a><\/td><td>$25,000\/$50,000 BI<br>$25,000 PD<br>$15,000 PIP<br>$25,000 per person\/$50,000 UM\/UIM<\/td><\/tr><tr><td><a href=\"\/car-insurance\/new-york\/\">New York<\/a><\/td><td>$25,000\/$50,000 BI<br>$50,000\/$100,000 in case of death<br>$10,000 PD<br>$50,000 PIP<br>$25,000\/$50,000 Supplemental Underinsured\/uninsured Motorist coverage (SUM)<\/td><\/tr><tr><td><a href=\"\/car-insurance\/north-dakota\/\">North Dakota<\/a><\/td><td>$25,000\/$50,000 BI<br>$25,000 PD<br>$30,000 PIP<br>$25,000\/$50,000 UM\/UIM<\/td><\/tr><tr><td><a href=\"\/car-insurance\/pennsylvania\/\">Pennsylvania<\/a><\/td><td>$15,000\/$30,000 BI<br>$5,000 PD<br>$5,000 PIP or Medical payments coverage (MedPay)<\/td><\/tr><tr><td><a href=\"\/car-insurance\/utah\/\">Utah<\/a><\/td><td>$25,000\/$65,000 BI<br>$15,000 PD<br>$3,000 PIP&nbsp;<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>PIP is required in no-fault states because drivers are responsible for their own medical bills following an accident, and the coverage pays for a variety of injury-related expenses. When appropriate, this coverage extends to some additional expenses and bills that may result from your injuries, such as:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Hospital expenses and continuing care.<\/li>\n\n\n\n<li>Lost wages.<\/li>\n\n\n\n<li>Household services (limited).<\/li>\n\n\n\n<li>Childcare (limited).<\/li>\n\n\n\n<li>Funeral expenses.<\/li>\n\n\n\n<li>Death benefit (cash payout).<\/li>\n<\/ul>\n\n\n\n<p>Your PIP insurance pays up to the limits of your policy\u2019s coverage, regardless of whether you are found at fault in the accident. If the other driver caused the accident, their liability insurance still pays for property damage, but your PIP will cover your personal injury expenses.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"how-much-no-fault-insurance\">How much does no-fault insurance cost?<\/h2>\n\n\n\n<p>Drivers in no-fault states can expect to pay a little more (upwards of 15%) for their car insurance, however rates vary by state.<\/p>\n\n\n\n<div class=\"wp-block-jerry-cta\"><div class=\"flex flex-col items-start gap-4 rounded-xl border border-zinc-200 px-12 py-8 md:flex-row md:items-center md:gap-14\"><div class=\"flex-1\"><span class=\"text-xl font-black text-gray-900\">SIMPLIFY YOUR CAR INSURANCE IN MINUTES<\/span><\/div><div class=\"flex-1\"><a href=\"\/signup\/insured?service=insurance\" class=\"bg-primary block w-full rounded-full px-14 py-2 text-center font-black text-white hover:no-underline\">Find savings now<\/a><\/div><\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Which insurance companies are the cheapest in no-fault states?<\/h3>\n\n\n\n<p>Insurance providers use different algorithms to determine their car insurance quotes, meaning no one auto insurance company will offer the best universal premiums. Here are some of the providers with affordable average monthly rates for minimum coverage in no-fault states quoted to Jerry customers:<\/p>\n\n\n\n<div data-show-load-more=\"false\" class=\"group wp-block-jerry-live-table\" data-wp-context=\"{&quot;data&quot;:[{&quot;carrier&quot;:&quot;&lt;a href=\\&quot;\\\/reviews\\\/car-insurance\\\/root\\\/\\&quot; title=\\&quot;ROOT\\&quot;&gt;ROOT&lt;\\\/a&gt;&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$92&quot;},{&quot;carrier&quot;:&quot;&lt;a href=\\&quot;\\\/reviews\\\/car-insurance\\\/national-general\\\/\\&quot; title=\\&quot;National General\\&quot;&gt;National General&lt;\\\/a&gt;&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$92&quot;},{&quot;carrier&quot;:&quot;First Acceptance&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$113&quot;},{&quot;carrier&quot;:&quot;&lt;a href=\\&quot;\\\/reviews\\\/car-insurance\\\/the-general\\\/\\&quot; title=\\&quot;The General\\&quot;&gt;The General&lt;\\\/a&gt;&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$115&quot;},{&quot;carrier&quot;:&quot;&lt;a href=\\&quot;\\\/reviews\\\/car-insurance\\\/safeco\\\/\\&quot; title=\\&quot;Safeco\\&quot;&gt;Safeco&lt;\\\/a&gt;&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$126&quot;},{&quot;carrier&quot;:&quot;Gainsco&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$131&quot;},{&quot;carrier&quot;:&quot;&lt;a href=\\&quot;\\\/reviews\\\/car-insurance\\\/geico\\\/\\&quot; title=\\&quot;Geico\\&quot;&gt;Geico&lt;\\\/a&gt;&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$132&quot;},{&quot;carrier&quot;:&quot;Embark General&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$133&quot;},{&quot;carrier&quot;:&quot;&lt;a href=\\&quot;\\\/reviews\\\/car-insurance\\\/dairyland\\\/\\&quot; title=\\&quot;Dairyland\\&quot;&gt;Dairyland&lt;\\\/a&gt;&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$142&quot;},{&quot;carrier&quot;:&quot;&lt;a href=\\&quot;\\\/reviews\\\/car-insurance\\\/assurance-america\\\/\\&quot; title=\\&quot;Assurance America\\&quot;&gt;Assurance America&lt;\\\/a&gt;&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$151&quot;},{&quot;carrier&quot;:&quot;Trexis&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$153&quot;},{&quot;carrier&quot;:&quot;&lt;a href=\\&quot;\\\/reviews\\\/car-insurance\\\/liberty-mutual\\\/\\&quot; title=\\&quot;Liberty Mutual\\&quot;&gt;Liberty Mutual&lt;\\\/a&gt;&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$158&quot;},{&quot;carrier&quot;:&quot;&lt;a href=\\&quot;\\\/reviews\\\/car-insurance\\\/aaa\\\/\\&quot; title=\\&quot;AAA\\&quot;&gt;AAA&lt;\\\/a&gt;&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$176&quot;},{&quot;carrier&quot;:&quot;Plymouth Rock&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$178&quot;},{&quot;carrier&quot;:&quot;Infinity&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$180&quot;},{&quot;carrier&quot;:&quot;&lt;a href=\\&quot;\\\/reviews\\\/car-insurance\\\/progressive\\\/\\&quot; title=\\&quot;Progressive\\&quot;&gt;Progressive&lt;\\\/a&gt;&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$195&quot;},{&quot;carrier&quot;:&quot;Clearcover&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$225&quot;},{&quot;carrier&quot;:&quot;Mendota&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$236&quot;},{&quot;carrier&quot;:&quot;&lt;a href=\\&quot;\\\/reviews\\\/car-insurance\\\/bristol-west\\\/\\&quot; title=\\&quot;Bristol West\\&quot;&gt;Bristol West&lt;\\\/a&gt;&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$321&quot;}],&quot;isExpandable&quot;:false,&quot;isExpanded&quot;:true,&quot;limitForExpanding&quot;:null,&quot;searchText&quot;:null}\" data-wp-interactive=\"jerry\/live-table\" data-wp-init=\"callbacks.onInit\" data-wp-bind--data-show-load-more=\"state.showLoadMore\">\n  \n  <div class=\"relative max-md:mx-full-bleed block\">\n    <figure class=\"live-table-header wp-block-table sticky top-0 z-[2] !overflow-x-hidden bg-white md:static\">\n      <table>\n            <thead >\n      <tr>\n                  <th class=\"wp-block-table__cell-content\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Insurance Company  <\/div>\n<\/th>\n                  <th class=\"wp-block-table__cell-content\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Avg Monthly Quote  <\/div>\n<\/th>\n              <\/tr>\n    <\/thead>\n          <\/table>\n    <\/figure>\n\n    <figure class=\"live-table-body wp-block-table overflow-auto group-data-[show-load-more=true]:pb-4\">\n      <table>\n            <thead class=\"pointer-events-none invisible select-none leading-[0]\">\n      <tr>\n                  <th class=\"wp-block-table__cell-content !h-0 !py-0\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Insurance Company  <\/div>\n<\/th>\n                  <th class=\"wp-block-table__cell-content !h-0 !py-0\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Avg Monthly Quote  <\/div>\n<\/th>\n              <\/tr>\n    <\/thead>\n            <tbody>\n          <template data-wp-each=\"state.displayData\">\n            <tr>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\"><\/td>\n                          <\/tr>\n          <\/template>\n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$92<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$92<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$113<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$115<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$126<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$131<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$132<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$133<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$142<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$151<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$153<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$158<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$176<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$178<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$180<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$195<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$225<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$236<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$321<\/td>\n                          <\/tr>\n          \n        <\/tbody>\n      <\/table>\n    <\/figure>\n\n      <\/div>\n\n  \n  \n      <div class=\"flex flex-row my-3 gap-2 items-center font-body text-slate-500\">\n      <span class=\"iconify i--refresh text-sm\"><\/span>\n      <span class=\"text-xs\">Last Updated Dec. 8, 2025<\/span>\n    <\/div>\n  <\/div>\n\n\n\n<div class=\"!mbs-12 !mbe-12 wp-block-jerry-faqs text-lg text-slate-500 wp-block-jerry-faqs\">\n  <!-- Title -->\n    <h2 class=\"medium-title text-black mb-1.5 pt-12 uppercase\">\n    FAQ  <\/h2>\n  \n  <!-- Accordion -->\n  \n<div class=\"max-w-screen-lg my-6 [&amp;_li:last-child]:border-b-0\">\n<ul class=\"wp-block-jerry-accordion\">\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item font-circular flex cursor-pointer flex-row items-start border-b border-zinc-200 py-6 text-lg text-slate-500 is-style-accordion-item-box wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        What\u2019s the difference between liability and PIP coverage?      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p>Liability coverage pays for the other drivers\u2019 property damage and injuries to another party for which you\u2019re found legally liable, whereas PIP covers medical expenses for you, your passengers and pedestrians.<\/p>\n<\/div>\n  <\/div>\n<\/li>\n\n\n\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item font-circular flex cursor-pointer flex-row items-start border-b border-zinc-200 py-6 text-lg text-slate-500 is-style-accordion-item-box wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        Does health insurance cover auto accidents in no-fault states?      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p>While PIP and MedPay are the primary methods of payment for injuries sustained in a motor vehicle accident, health insurance may kick in once you\u2019ve reached your coverage limits. This is especially true if you or your passengers suffer severe injuries as a result of the crash, since these may require more expensive treatments beyond the scope of your PIP coverage. Keep in mind that if you have excellent health insurance, you could opt to have a lower amount of PIP coverage.<\/p>\n<\/div>\n  <\/div>\n<\/li>\n<\/ul>\n<\/div>\n\n  <!-- Contact link -->\n  <\/div>\n\n\n\n<div class=\"wp-block-jerry-meet-experts\" data-wp-interactive=\"jerry\/meet-experts\" data-wp-context=\"{&quot;modalVisible&quot;:false}\">\n  <div class=\"font-circular text-2xl font-extrabold text-slate-900\">Expert-driven. Built for you.<\/div>\n\n  <div class=\"my-3\">\n    <div class=\"flex justify-between items-center py-3 border-b border-neutral-200 cursor-pointer font-semibold text-gray-900\" data-wp-on-async--click=\"actions.toggleModal\">\n  <button class=\"text-left text-base\" type=\"button\">\n    Why you can count on Jerry&#8217;s articles  <\/button>\n\n  <div class=\"transition data-[visible=true]:md:rotate-180 text-xs iconify i--chevron-down text-gray-500\" data-wp-bind--data-visible=\"context.modalVisible\"><\/div>\n<\/div>\n<div class=\"modal-backdrop fixed bottom-0 left-0 right-0 top-0 z-50 overflow-hidden overscroll-contain bg-black\/70 font-body transition-transform delay-100 duration-0 md:relative md:z-auto [&amp;:not([data-visible=true])]:translate-y-full [&amp;:not([data-visible=true])]:bg-black\/0 [&amp;:not([data-visible=true])]:md:hidden\" data-wp-init=\"callbacks.onModalInit\" data-wp-on-async--click=\"actions.hideModal\" data-wp-bind--data-visible=\"context.modalVisible\">\n  <div class=\"modal-view fixed bottom-0 left-0 right-0 flex max-h-[75%] w-full flex-col rounded-t-3xl bg-white pb-7 pl-7 pt-3.5 transition md:relative md:rounded-none md:pl-0 md:transition-none [&amp;:not([data-visible=true])]:translate-y-full [&amp;:not([data-visible=true])]:md:hidden\" data-wp-bind--data-visible=\"context.modalVisible\">\n    <div class=\"modal-header md:hidden flex justify-between items-center pb-1 mb-1 border-b border-zinc-200\">\n      <div class=\"modal-title text-base font-semibold\">Summary<\/div>\n\n      <div\n        class=\"modal-close-btn wp-block-group w-11 h-11 mr-2.5 content-center text-center\"\n        data-wp-on-async--click=\"actions.hideModal\"\n      >\n        <div class=\"iconify i--close text-gray-500 cursor-pointer\"><\/div>\n      <\/div>\n    <\/div>\n\n    <div class=\"modal-body pr-7 overflow-y-auto\"><div class=\"wp-block-template-part\"><div class=\"flex flex-row items-center gap-2.5 rounded-lg bg-gray-pink px-4 py-5\">\n  <span class=\"iconify mt-0.5 shrink-0 self-start text-xs text-primary i--shield-check\"><\/span>\n\n  <div>\n    <div class=\"font-body text-xs font-bold text-primary\">Our goal is clear, trustworthy information.<\/div>\n    <div class=\"mt-1 font-body text-xs text-gray-600\">\n      Our content is created, edited and fact checked by a team of licensed insurance agents, automotive pros and\n      experienced journalists who know the industry inside and out. Facts are thoroughly researched, verified and kept\n      current, and our editorial team is separate from our business partners, so our opinions &#038; tips are unbiased. All\n      insights drawn from Jerry\u2019s proprietary, aggregated customer auto insurance quotes data provide unique, real-world\n      guidance.\n    <\/div>\n  <\/div>\n<\/div>\n<\/div><\/div>\n  <\/div>\n<\/div>\n  <\/div>\n\n  <div class=\"text-base font-semibold text-gray-900\">Our experts<\/div>\n\n  <div class=\"my-8 flex flex-col gap-8 items-center justify-center\">\n          <div\n        class=\"meet-experts-item group relative flex h-auto w-full flex-none flex-col justify-between overflow-hidden rounded-3xl py-9 text-sm shadow-variant-card\"\n        data-expand=\"false\"\n        data-wp-init=\"callbacks.onItemInit\"\n      >\n        <div class=\"grid h-full w-full grid-cols-1 overflow-hidden px-8 md:grid-cols-4\">\n          <img loading=\"lazy\" decoding=\"async\" width=\"250\" height=\"250\" src=\"\/wp-content\/uploads\/2024\/11\/Megan-Lee.png\" class=\"size-16 rounded-full md:size-32 col-span-1 md:ml-4\" alt=\"meet-experts-thumbnail\" srcset=\"\/wp-content\/uploads\/2024\/11\/Megan-Lee.png 250w, \/wp-content\/uploads\/2024\/11\/Megan-Lee-150x150.png 150w, \/wp-content\/uploads\/2024\/11\/Megan-Lee-56x56.png 56w, \/wp-content\/uploads\/2024\/11\/Megan-Lee-120x120.png 120w\" sizes=\"auto, (max-width: 346px) 260px, (max-width: 576px) 432px, (max-width: 720px) 540px, (min-width: 720px) 250px, 100vw\" fetchpriority=\"low\"\/>\n          <div class=\"col-span-3\">\n            <div class=\"my-4 flex-1 content-center font-circular text-lg font-medium text-slate-900 md:mt-0\">\n              Megan Lee            <\/div>\n\n            \n            <div class=\"text-slate-500 mt-2 leading-6\">\n              <p>Megan Lee is an editor, writer, and SEO expert who specializes in insurance, personal finance, travel, and healthcare. She has been published in U.S. News &amp; World Report, USA Today and elsewhere, and has spoken at conferences like that of NAFSA: Association of International Educators. Megan has built and directed remote content teams and editorial strategies for several websites, including NerdWallet. When she`s not crafting her next piece of content, Megan adventures around her Midwest home base where she likes to drink cortados, attend theme parties, ride her bike and cook Asian food.<\/p>            <\/div>\n          <\/div>\n        <\/div>\n\n        <div class=\"absolute hidden group-data-[expand=true]:flex bottom-0 w-full h-24 bg-gradient-to-t from-white from-30% to-transparent to-100% items-end justify-center\">\n          <div\n            class=\"flex cursor-pointer flex-row items-center gap-2 my-4 font-circular text-primary\"\n            data-wp-on-async--click=\"actions.onItemExpandClick\"\n          >\n            <span class=\"text-sm\">See more<\/span>\n            <span class=\"iconify i--chevron-down text-xs\"><\/span>\n          <\/div>\n        <\/div>\n      <\/div>\n          <div\n        class=\"meet-experts-item group relative flex h-auto w-full flex-none flex-col justify-between overflow-hidden rounded-3xl py-9 text-sm shadow-variant-card\"\n        data-expand=\"false\"\n        data-wp-init=\"callbacks.onItemInit\"\n      >\n        <div class=\"grid h-full w-full grid-cols-1 overflow-hidden px-8 md:grid-cols-4\">\n          <img loading=\"lazy\" decoding=\"async\" width=\"250\" height=\"250\" src=\"\/wp-content\/uploads\/2024\/11\/Everett-Cook.png\" class=\"size-16 rounded-full md:size-32 col-span-1 md:ml-4\" alt=\"meet-experts-thumbnail\" srcset=\"\/wp-content\/uploads\/2024\/11\/Everett-Cook.png 250w, \/wp-content\/uploads\/2024\/11\/Everett-Cook-150x150.png 150w, \/wp-content\/uploads\/2024\/11\/Everett-Cook-56x56.png 56w, \/wp-content\/uploads\/2024\/11\/Everett-Cook-120x120.png 120w\" sizes=\"auto, (max-width: 346px) 260px, (max-width: 576px) 432px, (max-width: 720px) 540px, (min-width: 720px) 250px, 100vw\" fetchpriority=\"low\"\/>\n          <div class=\"col-span-3\">\n            <div class=\"my-4 flex-1 content-center font-circular text-lg font-medium text-slate-900 md:mt-0\">\n              Everett Cook            <\/div>\n\n            \n            <div class=\"text-slate-500 mt-2 leading-6\">\n              <p>Everett Cook is an award-winning journalist and editor with more than 10 years of experience across a variety of industries. In editing for Jerry, Everett&rsquo;s mission is to help readers have a better understanding of the costs of owning or leasing a car and to better understand their vehicle in terms of insurance and repairs. Prior to joining Jerry, Everett was an editor for Axios. His previous work has been featured in The New York Times, The Los Angeles Times, The San Francisco Chronicle, The Atlantic, Atlantic Re:think, The Boston Globe, USA Today, and others. He&rsquo;s also been a freelance writer and editor with experience in SEO, audience building, and long-term content roadmaps. Everett is a proud graduate of the University of Michigan.<\/p>            <\/div>\n          <\/div>\n        <\/div>\n\n        <div class=\"absolute hidden group-data-[expand=true]:flex bottom-0 w-full h-24 bg-gradient-to-t from-white from-30% to-transparent to-100% items-end justify-center\">\n          <div\n            class=\"flex cursor-pointer flex-row items-center gap-2 my-4 font-circular text-primary\"\n            data-wp-on-async--click=\"actions.onItemExpandClick\"\n          >\n            <span class=\"text-sm\">See more<\/span>\n            <span class=\"iconify i--chevron-down text-xs\"><\/span>\n          <\/div>\n        <\/div>\n      <\/div>\n      <\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>No-fault insurance covers medical expenses and lost wages, but property damage is covered through other insurance.<\/p>\n","protected":false},"author":19,"featured_media":54563,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"single-advice","meta":{"jerry_authors":"[{\"id\":\"366\",\"type\":\"main-author\"},{\"id\":\"115\",\"type\":\"editor\"},{\"id\":\"187\",\"type\":\"reviewer\"}]","jerry_author_ids":[366],"jerry_idx_page_label":"","jerry_meta_desc":"In a no-fault state, you file injury claims through your own insurer, which can get you the money you\u2019re owed faster while simultaneously limiting your rights to sue.","jerry_related_posts":"[10440,35135,8139,32197,12407]","jerry_summary":"","inline_featured_image":false,"_lmt_disableupdate":"yes","_lmt_disable":"","footnotes":"[]"},"categories":[],"tags":[31,289],"class_list":["post-7322","car-insurance","type-car-insurance","status-publish","has-post-thumbnail","hentry","tag-car-insurance","tag-no-fault-state"],"_links":{"self":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance\/7322","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance"}],"about":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/types\/car-insurance"}],"author":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/users\/19"}],"replies":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/comments?post=7322"}],"version-history":[{"count":11,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance\/7322\/revisions"}],"predecessor-version":[{"id":56107,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance\/7322\/revisions\/56107"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/media\/54563"}],"wp:attachment":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/media?parent=7322"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/categories?post=7322"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/tags?post=7322"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}