Some states are at-fault states and others are no-fault states. In no-fault states, drivers involved in car accidents are typically required to turn to their own insurance companies for compensation, regardless of who is at fault. Under no-fault insurance systems, each party's insurance policy covers their own medical expenses and damages up to the policy's limits. No-fault systems often have thresholds that must be met before a party can pursue a lawsuit against the at-fault driver for additional damages beyond what their insurance policy covers. Note that "no-fault" does not mean you can never be at-fault for an accident, rather the term "no-fault" refers to how insurance claims are handled rather than determining fault in an accident. Faults may still be considered in certain situations.