Are you already insured?

Free Auto Insurance Quotes for No Fault Insurance

No-fault car insurance is insurance which provides adequate levels of coverage for damages to a car, or other personal damages in the event of an accident, no matter who was at fault for the accident. Currently there are only 13 states in the United States which allow for no-fault car insurance for their citizens. In order to determine whether you live in one of these 13 states, the best way to start is to use a free online resource to obtain free auto insurance quotes. Make sure that you use a reputable online resource which begins by asking which State you live in, so that you know that the information obtained is relevant to you and your State.

The State's that do allow for no-fault car insurance do so under a modified standard which allows coverage up to a set limit for all those who are involved in an accident. In the event that the damages are greater than the limit of the no-fault car insurance, the holder of the insurance policy can take legal action to obtain greater levels of compensation in order to cover the damages that they have incurred. Currently there are no States in the United States which offer an absolute standard, but the 13 states come closest to this.

Most car insurance policies allow for certain types of coverage to be paid out regardless of who is to blame for the accident, such as reimbursement for relevant medical bills and compensation for lost working time. All insurance policies differ in this regard, and some insurance policies only allow for coverage of this sort for the driver. In order to determine the levels of coverage that are provided by each individual insurance agency, make sure that you obtain free auto insurance quotes from a reputable online resource. This will allow you to easily compare the different insurance agencies and to make sure that you choose the very best for your needs.

When it comes to determining who is at fault in the event of a car accident, in most circumstances this will be up to the police officer who attends the scene of the accident. For this reason, it is vitally important that you are completely honest and as accurate as possible when it comes to the facts of the accident. This will ensure that the process runs smoothly and efficiently. You can assume that the truth will be revealed in due course, so it is always prudent to begin with the full truth at the time of the accident.

Some states also offer modified versions of their car insurance policies which allow for a certain amount of compensation and which give no prohibition on taking legal action to recover further damages. This is different to no fault car insurance, which does not allow for any legal action to be undertaken to recover further damages from either party. This is beneficial because it means that no blame is placed on either party, however the negative aspect is that there is no ability to sue for additional damages in the case of a very high level accident.

Copyright 2012 free auto insurance quotes. All rights reserved