States can be either no-fault or at-fault, or sometimes both. A state that is at-fault means that the driver who is responsible for causing the accident is the one that must pay for the injured party’s damages. A no-fault state is one in which an injured party must file a claim with their own insurance company for the costs caused by the accident. It does not matter who was at fault in these states. These states require that all drivers carry at least their stated limit of the minimum amount possible of personal injury protection, or PIP, which is $8,000. Massachusetts is a no-fault state. Like with the 11 other states that are also no-fault, there are both advantages and disadvantages to this concept. Drivers ride around with more peace of mind since they know their medical expenses will be covered by their insurance company (for the most part) after an accident. The downside to this is that there will always be a monthly premium to pay – which could be expensive. The time in which the injured party receives their payout is normally much faster. Although the personal injury part is no-fault, any property damage is still fault-based. If another party damages your vehicle, then they are responsible for covering those costs.