No-fault insurance is a largely misunderstood concept. The concept involves 2 requirements: 1. It requires drivers to carry insurance for their own protection. 2. It then places limitations on the ability to sue other drivers for sustained damages. If you have No-Fault insurance, the insurance company will reimburse for your damages up to policy limits. This reimbursement takes place regardless of who was at fault for the accident (hence the term no-fault). If other drivers were involved, they would be covered by their own auto insurance policies.

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