With no-fault, most claims can be settled quickly, without litigation over who's at fault. However, No-Fault can limit your right to sue to recover damages. Individual states set the coverage and place limits on your rights to sue, so check with your agent. But, court cases assigning blame can take years to settle. Also, the costs of trying your case can be substantial.
Coverage includes medical expenses and lost wages.
Property Damage Property Damage is liability coverage for damage to another's personal property, such as an automobile, house or fence, in a collision where you are at fault. This coverage handles medical bills and funeral expenses for you or a passenger injured while riding in your vehicle. Coverage extends to you or a family member when riding as a passenger in someone else's vehicle or when struck by a vehicle when on foot. Costs are covered up to the amount specified by the policy. Personal injury coverage pays a broader range of medical costs than does Medical Payments coverage.