When moving states with car insurance differences, it’s important to understand the type of insurance required in your new home. In the U.S., 12 states follow no-fault insurance laws. In no-fault states, following an accident both parties file a claim for injuries with their own insurer regardless of who is at fault. The at-fault driver, however, is typically responsible for property damage.This is different from at-fault, or tort states, where claim expenses, including both injuries and property damages, are paid for by the at-fault driver or their insurer. In a no-fault state, drivers are usually required to carry personal injury protection, or PIP, coverage. This coverage helps pay for medical bills, lost income and more. Minimum coverage insurance is typically more expensive in no-fault states due to the extra insurance required.If you are moving from an at-fault to a no-fault state, your insurance agent can work with you to help you understand what coverage limits and types you should consider for your situation. Insurers cannot sell you less than your state’s required minimum limits, but most experts recommend purchasing more than the minimum insurance required to ensure you have adequate financial protection.