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What is No-Fault Insurance?

The next thing that we want to talk about is the concept of no-fault insurance. Have you heard of this type of coverage? A lot of people like to claim that an accident is never their fault, but this is not what this coverage is trying to accomplish. It is so important that you learn everything you can before you make a decision about your policy because you never know when some factor might come into play. The less the catches you off guard the better. Sit back and take a look at the policy options. You are well on your way to becoming an expert on the topic.

The Basics

Before we get started it is important to know that this type of plan is not actually available within each state. This is why you must get as much information during the shopping process so you can see if your state offers this. There will be what is referred to as no-fault states and choice states. The reason this choice came about was to focus on the ability that the driver has to sue another drivers for damages. If you are living in a state that is no-fault then your Raleigh auto insurance company will pay for damages that result from the accident.

The Differences

If you live within a choice state, and most states fall under this category, then you have a few different options. If you want then you can go to your provider and have them fix the damages that occurred. The other option you have is to actually forgo your provider and leave them out of the ordeal. If you choose this option then you are choosing to have the other driver's insurance handle it. Many times you will be saved from higher rates with your insurer. Always be in contact with your insurer at all times though.

No fault states are set up so that your provider will pay for damages. The company will go to the other driver's company if they think they are at fault. They will help you through the work because they look at this as not your fault. The real reason this is set up is stop random lawsuits that may fly around after an accident occurs. Jurisdictions do not want things to get out of control. Although states also do not want to completely deny any of their citizens the right to sue. This is also why there is currently no pure no fault system in place. It is because of this that choice states and no fault states are around. If you live in a no-fault jurisdiction you will also have the option to fall within choice state guidelines. Check out the other pages for more insurance information, like how you can save money, and other things you probably want to know.

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