What is the advantage of a no-fault system for states?
No-fault insurance premiums and deductibles are your financial responsibility — even when you didn’t cause the accident. No-fault states limit lawsuits from car accidents. At-fault car insurance states don’t limit lawsuits.
What is the opposite of no fault insurance?
The opposite of a no-fault state is called a tort state. In tort states, drivers are not limited in their ability to sue after an accident, and fault is used to determine responsibility for both bodily injury costs and property damage.
What does Hawaii no fault insurance mean?
Hawaii is a considered a “no-fault state”, which means your motor vehicle insurance company will pay the bills for your injuries and your passengers’ injuries up to the personal injury protection benefits (“PIP”) limit. And you cannot sue or be sued unless there are serious injuries.