Do I need full coverage in a no-fault state?
Asked by: Shyanne Simonis | Last update: January 8, 2026Score: 4.3/5 (61 votes)
Does no-fault insurance mean full coverage?
Does no-fault insurance cover car damage? Although your no-fault insurance covers economic losses, damage to your vehicle would be covered by either your collision insurance or the other driver's liability policy – not by no-fault insurance.
Who pays for car damage in no-fault state?
In no-fault states, each party carries insurance that pays for their own injuries, while the at-fault party typically pays for everyone's property damage.
What is the point of insurance in a no-fault state?
What does a no-fault insurance state mean? No-fault insurance refers to how injuries are covered by car insurance. In a no-fault insurance state, if you're injured in an auto accident, you would file a claim with your own insurance company to pay for related medical costs. This is regardless of fault.
What does it mean that KY is a no-fault state?
The state of Kentucky is called a no-fault state because of a law stating that each driver in the state of Kentucky has to file a claim with their insurance company first to get compensation for medical bills and other financial losses caused by the accident according to their own insurance policy.
At Fault VS No Fault Auto Insurance
Can you sue someone in a no-fault state?
Threshold for Lawsuits: In some no-fault states, a threshold must be met before you can sue for damages beyond what PIP covers. This threshold often involves meeting certain criteria related to the severity of injuries, medical expenses incurred, or permanent disability or disfigurement.
Who pays for car damage in Kentucky?
If another driver is responsible for causing a car accident and the subsequent damage that occurs to your vehicle, then the at-fault driver's insurance is the primary source of compensation recovery. Every driver in Kentucky is required by law to carry $10,000 worth of property damage liability insurance.
Is no-fault insurance worth it?
While most types of car insurance cover bodily and property damage, no-fault insurance is particularly handy when the other party involved in the accident caused it and has no insurance to cover your medical expenses.
Does a no-fault accident affect insurance?
In addition, certain states, such as California and Oklahoma, don't allow insurance companies to increase rates after a non-fault claim.
Do you get money from no-fault insurance?
In no-fault states, the driver's personal injury protection (PIP) coverage pays out after a car accident for lost wages and medical expenses, regardless of fault. However, despite what many believe in, a no-fault state doesn't mean that no one is liable for the accident.
Should I file an insurance claim if I am at fault?
If you damage someone else's vehicle during a significant collision, and you're at fault, you should always file a claim.
Should I call my insurance if it wasn't my fault progressive?
Start the claims process
Regardless of who's at fault, it's a good idea to inform your car insurance company that an accident occurred.
At what point is full coverage not worth it?
Paying for comprehensive and collision — the coverages that many people mean when they say "full coverage" — may not be worth it if your car's value is minimal and your policy includes a high deductible. Usually, you have to have comprehensive and collision on a financed car because most lenders require it.
What happens if I don't have full coverage?
Liability doesn't cover injuries to you or your passenger, nor does it cover physical damage to your vehicle, even when you're at fault in the accident. Having only the minimum liability required by your state with no additional coverage leaves a large gap when it comes to repairing your vehicle after an accident.
When someone hits you, do you call their insurance?
If the at-fault driver is uninsured or leaves the scene, your own insurance will pay if you have the right coverage. Always call your own insurance company, even if you think the other driver is at fault.
How does a no-fault insurance state work?
No-fault systems focus solely on issues of compensation for bodily injury, and such policies pay the medical bills for drivers and their companions no matter whose fault the collision was.
How long does a no-fault accident stay on your record?
In California, accidents typically stay on your driving record for a period of three years from the date of the accident. During this time, the accident will be considered a public record and, therefore, accessible by insurance companies, potential employers, and law enforcement agencies.
Will my insurance go up if I get hit by an uninsured driver?
However, under California's proposition 103, insurance companies are not allowed to raise rates or drop a person because they made an uninsured motorist claim.
Why are no-fault states bad?
Higher Premiums
Auto insurance premiums in no-fault states tend to be considerably higher than in fault states. If you get injured in a car accident and file a claim, your premiums might increase even more, even though you are the victim, not the at-fault party.
Should I let my insurance know if it wasn't my fault?
Yes, it is generally advisable to notify your insurance company even if the accident wasn't your fault. Most insurance policies require policyholders to promptly report any accidents or incidents, regardless of fault.
Is insurance more expensive in no-fault states?
According to the analysis of premium data as reported by insurance companies to the National Association of Insurance Commissioners: Premiums are 19% higher in no-fault states than in personal responsibility states.
What does it mean when Kentucky is a no-fault state?
According to our Kentucky personal injury lawyers, living in a no-fault state essentially means that in the event of an accident, each individual's own car insurance company will cover certain expenses without even considering who was really at fault for the accident.
Do you have to use insurance claim money to fix your car?
If you own your car outright, you can choose to not repair your vehicle for financial reasons, or delay repairs with the money you receive from an auto insurance payout. Simply put, you do not have to use any of the compensation you receive from an auto insurance company on repairs.
What is the repair and deduct law in Kentucky?
Tenant's Repair and Deduct Remedy
Per KRS § 383.635, if the reasonable cost of compliance is less than $100 or an amount equal to one-half of the monthly rent, whichever amount is greater, the tenant can notify the landlord of their intention to make the repair.
Should I file a claim if I'm not at fault?
Always File a Claim, Regardless of Who Was At-Fault
One of the primary questions we receive from clients who have been in an accident is whether they should report the accident to their own auto insurance carrier, particularly when the accident was not their fault. And the answer to that question is: always.