The key difference between full tort/at-fault policies and choosing a no-fault/limited tort insurance policy is whether the victim has a right to sue. Choosing what kind of car insurance to buy and dealing with the repercussions of that choice is pretty cut and dried in most states. You either live in an at-fault or no-fault state, and the insurance companies sell plans that comply with the laws and mandates of that state. When you get in a car accident in most states, how to handle the claims and fault determination is generally determined by state law and the insurance plan you’ve purchased. Along with the legal repercussions of determining “fault” after a car accident, determining whether you can file a claim for personal injury and bodily injury after a car accident in Philadelphia, PA, Lexington, KY, or Trenton, NJ is just a bit more confusing due to their status as choice limited or full tort states. Fault or No-Fault – Understanding the Difference All 50 states plus Washington D.C. require you to cover a motor vehicle with motor vehicle insurance and are either “at-fault” or “no-fault” states. These options determine the type of car insurance required, how responsibility and compensation are divided up, and how litigation can be instigated in the event of a car accident that causes property damage, injury, loss of wages, etc. While a majority of states are “at fault” states, there are 12 states that have adopted “no-fault” rules: Florida, Hawaii, Kansas, Kentucky,...
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