In most states, car insurance follows an at-fault or tort system, where the driver who caused an accident is responsible for paying for damages. But if you live in one of the 13 states below, you're subject to what's called a no-fault system.
In a no-fault system, it's not that no one is responsible for an accident. In fact, in most states, the driver who caused the accident is still on the hook for property damage. Instead, states with these laws handle injury claims differently and place restrictions on your right to sue the at-fault driver.
