What does no-fault insurance allow in terms of benefits?

No-fault insurance is designed to provide benefits to policyholders regardless of who is responsible for an accident or incident. This system allows individuals to receive compensation for medical expenses, lost wages, and other related damages without needing to establish fault or engage in lengthy legal disputes. The primary advantage of no-fault insurance is that it simplifies the claims process and improves the efficiency of receiving benefits.

In states that have adopted no-fault insurance laws, policyholders can access their benefits directly from their own insurance providers, fostering quicker support during recovery rather than waiting for liability determinations. This system differs significantly from traditional liability insurance, where benefits depend heavily on fault assessment, leading to a more complex and contentious claims process.