Choice No-Fault State

A choice no-fault state offers drivers a choice between:

• A no-fault-style policy (often with PIP and limited rights to sue), and
• A traditional tort-style policy (fewer no-fault benefits but broader rights to sue)

In practice, this allows consumers to select:

• Potentially lower premiums with more restrictions, or
• Broader legal rights with different coverage structures.

The ru3.us datasets do not yet encode a definitive list of choice states; no_fault_status is "unknown" in Version 2025.01 for all jurisdictions.

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Related Datasets

• PIP / No-Fault Dataset
• UM/UIM Dataset
• Minimum Liability Dataset

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Related Terms

• No-Fault Auto Insurance
• Tort State