Cheap Car Insurance Quotes for No-Fault States

If you live in one of the few no-fault car insurance states, you will choose your insurance coverages a little differently than states that assign fault. When comparing rates for cheap car insurance quotes, it is important to how tort works in your state. The definition of tort is simply a wrongful act. If someone ran into you, your tort option that you chose for your policy will determine what course of action you may take. Your state determines what choices you have, and the insurance company will program their online quoting system to help you through it. Here are just a few states that are no-fault and their requirements.

•    Texas

In Texas you have a choice of Medical Payments or Tort. If you choose Tort, you basically are stating you will not sue the other party if you do not exceed your tort benefits, which also provides for wage loss, death, and dismemberment.

Med Pay will pay you and your passengers’ medical expenses if you are injured in your car regardless of fault, and you can still go after the other person’s insurance if you have injuries beyond your med pay.

•    Kentucky

Kentucky residents searching car insurance quotes will make a choice between a tort policy and a no-fault policy. You can’t just switch one for the other; it would require canceling your existing policy and then rewriting it with the other type.

If all drivers on the policy agree to ACCEPT the no-fault policy, they waive their right to sue for medical expenses under $1000. However, they will have the PIP (Personal Injury Protection) coverage on their policy that will pay for those expenses.

If all drivers on the policy REJECT no-fault, all drivers retain their right to sue for injuries. The down side to this is that it also allows other drivers to sue them if they injure someone in an accident. You may receive cheap car insurance quotes with rejecting no-fault.

•    Pennsylvania

Pennsylvania residents have the choice between “Limited” and “Full” tort. You might get cheap car insurance quotes with Limited Tort, but you give up your right to sue for non-medical expenses like pain and suffering unless you have a major injury like loss of a limb or eyesight. Full Tort allows you to seek compensation.

When seeking cheap car insurance quotes and you live in a no-fault or tort option state, you will want to brush up on the options and what they mean to you before making a final decision.