No-Fault Auto Insurance

In a no-fault auto insurance system, each driver’s own policy pays for their injuries after a crash, regardless of who caused it.

Key characteristics:

• Requires Personal Injury Protection (PIP) or similar benefits
• Limits certain lawsuits for injuries against at-fault drivers
• Still often uses fault-based rules for property damage

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No-Fault in the ru3.us Project

The PIP / No-Fault Dataset (Version 2025.01) records:

• States with clearly required PIP coverage
• Core PIP medical amounts
• Descriptive PIP text

However, in this version:

• no_fault_status is set to "unknown" for all states, because the project avoids guessing about regime classification without explicit statutory/regulator sourcing.

Dataset access:

• Documentation → /datasets/state-pip-no-fault-coverage
• CSV → /datasets/state-pip-no-fault-coverage.csv
• JSON → /datasets/state-pip-no-fault-coverage.json

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Example No-Fault States

Based on widely understood structures (not encoded as no_fault_status yet), key no-fault states include:

• Florida
• New York
• Michigan
• New Jersey, Massachusetts, and others

See their detailed pages:

• /state/florida-minimum-auto-insurance
• /state/new-york-minimum-auto-insurance
• /state/michigan-minimum-auto-insurance

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Related Terms

• Personal Injury Protection (PIP)
• Tort State
• Choice No-Fault State