No fault car insurance policies will vary by each state that requires them as will rates and coverage limits. Here are some things you should know
Auto insurance is intended to cover most negative financial outcomes resulting from a vehicle collision. In most instances, the individual who's at fault for the accident bears the brunt of the costs. Determining fault can be time-consuming, however, which is why several states have opted to become no fault states for the purposes of car insurance coverage and law. No fault car insurance policies can quickly pay for the medical costs of the insured driver and/or passengers regardless of who's actually at fault for the accident.
Policy coverage options
No fault auto insurance policies ensure you, your pasengers and any named insured family members will be 
covered for any medical or related costs in the aftermath of a car accident. The coverage most commonly comes under the option known as personal injury protection (PIP). PIP coverage is required by few states (most no fault states and a few tort or at fault states) and is restricted to the payments of medical bills, wages lost due to injuries and, in some instances, replacement services. It can also cover funeral expenes should a fatality occur.
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When operating correctly, no fault insurance will pay out quickly, relieving you of medical bills without having to take a considerable amount of time in determining the individual at fault for the accident. Unfortunately, no fault insurance policies only cover up to a set limit determined by the policy on a per-accident schedule. Any costs over that amount must be obtained through the at-fault driver's liability insurance. In many states where no-fault coverage is required, your medical costs must cross a minimal threshold before you can sue the at-fault driver for any relief beyond what insurance initially covered.
Consider exceeding state requirements
In states that require no fault car insurance policies, a minimal level of coverage will be set by the state. In many cases, these levels are farly low. This minimal amount required can be augmented by paying higher premiums for higher coverage.
In states that don't require car insurance policies with no-fault coverage, PIP coverage can still be purchased, but generally you'll have to be sure you have an expanded policy that includes liability car insurance levels that will meet that state's liability requirements.
Costs and ways to control them
The cost for no-fault coverage is largely determined by the amount of coverage carried as well as the deductible 
you choose. The deductible is the amount of money you'll have to pay for any medical bills prior to the insurance company taking over the payments and covering the rest. The higher the deductible chosen, the lower your insurance premiums will be.
While no fault car insurance policies can pay for your immediate medical bills, they don't cover pain and suffering or property damage. For both, you'll need to check with your insurer for additional coverage options, which will raise your premium amounts. You may also be able to file a claim with the other driver to cover both property damage and pain and suffering, but you'll subsequently have to prove that the other driver was at fault for the accident.
There are, of course, ways in which you can contain the cost of these added options for your car insurance coverage. Every leading car insurance company offers discounts that its customers can apply for, even when putting in place a state-required minimum coverage plan. Some of the more common discounts you can find with most companies include:
- Multi-car discounts
- Safe driver discounts
- Good student discounts
- Multi-policy bundling discounts
Be sure you ask your car insurance agent about all the premium discounts you can apply for.
A car insurance agent will also be able to answer any questions you may have about what types and to what level of car insurance coverage you are legally obligated to be carrying and whether you should consider exceeding those levels and by how much. If you don't have an agent, or if you're looking to do some comparison shopping, we can help. Reply! can put you in contact with local car insurance agents who will be sure you have all the car insurance coverage you will need, whether its no fault car insurance policies or some other combination of coverage.