In the State of New York, no-fault means that your medical bills are covered by your car insurance in the event that you get into an accident regardless of who is at fault. Even if you are 100% at-fault for the car accident, your own car insurance will pay the bills. The law change was good because it avoids having to determine fault in accidents and who pays for the medical treatment of the parties involved. Under the current law, someone who gets into a car accident can get medical treatment right away. They just need to own their insurance policy. It isn’t like the old days where people would have to figure out who was responsible and provide one another’s insurance information. This way, it’s done, and it doesn’t matter who is at fault. That’s why it’s called no-fault.