| There are special auto insurance policies that offer | | | | no-fault part of the policy coverage. |
| a special facility and claim settlement policy, They | | | | There are some modified policies available only |
| offer coverage and successful claim settlement in | | | | within some of the states that allow a limited |
| case of an accident regardless of who was | | | | amount of compensation and no further bar on |
| originally responsible for the accident. These are | | | | suing for more compensation. However, most |
| called no-fault policies and currently they are only | | | | other no-fault car insurances will not allow for |
| available in only 13 states amongst the United | | | | further suing, limiting the amount of compensation |
| States of America. These states have a modified | | | | to be gained. This is both positive and negative, |
| standard in place that offers such compensations | | | | given the specific situation it is applied to. In case |
| up to a specified limit of damages caused. The | | | | of minor or average accidents, both parties are |
| policyholder can also sue for claiming damage | | | | free from being charged as liable for the accident |
| compensation beyond the set limit. There is no | | | | and the claim is settled easily. But when there is a |
| set standard for these settlements in any state | | | | major accident, the parties involved are not |
| with the United States of America but these 13 | | | | allowed to sue each other for compensation |
| states have something akin to such a standard. | | | | beyond what is already settled within the range of |
| Auto policies usually have clauses for covering the | | | | the policy, making it a very bad bargain. But such |
| medical bills incurred and compensation for | | | | accidents are a rarity and so the ultimate decision |
| workdays lost because of an accident and that is | | | | lies with the policy buyer. |
| regardless of who is to blame for the accident. | | | | At the current moment, no state within the US |
| There are also clauses like liability coverage that | | | | follows such a standard completely but some |
| covers the other driver who was part of the | | | | policies in some states offer the partial benefits of |
| accident. And then there is full coverage that | | | | no-fault as mentioned above. If the policy buyer is |
| benefits the policyholder and the other vehicle | | | | located at one of these 13 states, then he or she |
| that was part of the accident, on the basis of the | | | | can enjoy the benefits of a better-formed policy |
| rules laid down by the policy. This way, normal | | | | with these features. The benefits include |
| policies often have some of the elements of | | | | protection from lawsuits, loss due to |
| no-fault policies but they never automatically | | | | compensation claims etc. Check with your agent, |
| cover the policyholder without first assessing the | | | | company or Car Company for the benefits that |
| situation on the basis of liability and fault. Usually, it | | | | you are eligible for. The best place to look for |
| is up to the attending police officer to give | | | | information regarding auto insurance is always |
| testimony to who was to blame for the accident | | | | online, at a dedicated auto insurance estimate |
| and hence who is to receive the benefits of the | | | | website. |