What Is No-Fault Coverage for Auto Insurance

When it comes to auto insurance, there are a lot of confusing terms and additional add-ons that can be daunting to decide between. It’s crucial that you get the quality coverage that you need. There is an endless amount of things that could happen when you’re out on the roadways.

There are two types of states that have different views on no-fault insurance. Some states require that you have no-fault insurance, while other states leave it optional Denver Comprehensive Auto Insurancefor each policyholder to decide. If you happen to live in a state that requires you to have no-fault insurance protection (states like Florida, Kansas, New York), it’s important that you adhere to any state laws. Otherwise, you could not only end up with bills that you’re left paying for but also several tickets from the police officer that are going to add up to massive expenses.

You never know what’s going to happen when you get behind the wheel. You can’t control what other drivers do, but you can always prepare for the worst, which is where no-fault coverage could come in. At Longevity Brokers, we are proud to provide affordable auto insurance, but we also cover other areas of your life. Everything from a homeowner’s insurance to life insurance. Don’t wait any longer to get the insurance protection that you need.

What Does No-Fault Coverage Cover?

The idea of no-fault insurance coverage can be tricky, and a lot of policyholders don’t exactly understand what the additional coverage would pay for in the event of an accident. The exact coverage for no-fault coverage depends on the state that you live in, there is a no-fault state, and there are “tort” states. Both of them have very different view on auto accidents and how the insurance company is going to handle your additional coverage.

In a tort state, the fault for the accident is determined after the accident. After the fault is determined by the policy office determines who was responsible for the crash, the insurance company of the at-fault driver is responsible for paying for the damages.

No-fault states are a little different than a tort state. Each person involved in the wreck is covered by his or her insurance company. They will pay for all of the medical bills and the lost wages that they will lose because of their injuries. In a no-fault state, it doesn’t matter which driver was at fault for the accident. In these states, the required insurance is a little different. In these states, drivers are required to have both property damage protection and personal injury protection.

Property damage protection will cover any damage that you do to someone else’s property, while personal injury protection pays for any medical expenses and any lost wages because of the accident. While these additional coverages are an excellent tool, there are a few expenses that they don’t pay for. The most common thing that it doesn’t pay for is any damage to your own vehicle.

Additionally, no-fault coverage will provide additional coverage for anyone that is considered “indirect insureds,” which is anyone that is connected to the primary operator of the vehicle. This will give any passenger or family member more protection in case something tragic were to happen.

Do I need No-Fault Insurance Coverage?

It’s important that every driver has the insurance coverage that they deserve, when you’re trying to find the best policy for you, it can be consuming deciding which protection that you need. You’ll have a pushy insurance agent that is trying to pile on several different insurance riders that are going to cause your premiums to go through the roof.

Every driver is different and wants different things from their auto insurance depending on their driving habits and budget. There is no right or wrong answer when it comes to getting no-fault insurance attached to your auto insurance policy. You’ll need to look at your personal needs and automobile coverage and decide if this supplemental coverage is worth the additional money that you will pay in monthly premiums.

If you want as much insurance coverage as possible, then a getting no-fault insurance is a great way to fill in the gaps that are left behind by traditional automobile insurance. There are a lot of policyholders that don’t want to pay the additional costs that no-fault brings. You’ll need to look at your auto insurance policy and see how much coverage it brings and see the holes that are left with the policy to see if you should buy more insurance.


At Longevity Brokers, we are proud to provide quality and affordable coverage to the Denver, Colorado area. Not only do provide various insurance product, but we help our clients decide which plans are going to fit their needs the best. We know that buying insurance can be a long and frustrating process, but we are here to make it as straightforward and easy for you.

Our agents have years of experience working with different applicants, and they can help you make well-informed decisions about your insurance policies. Don’t wait any longer to get the insurance protection that you deserve.

If you have any questions about no-fault insurance coverage or about auto insurance, please contact us today. Our agents would be happy to answer those questions and ensure that you’ve got the best policy to fit your needs. You call us at (702) 209-4598 or use our contact page our one of our experienced agents will contact you as soon as possible.

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