“No-fault insurance” refers to personal injury protection (PIP), which is a required coverage in no-fault states. This coverage pays for your injuries and the injuries of any passengers you have in your car after an accident, regardless of fault. PIP may also pay for other qualifying expenses. However, fault is still a factor in car accidents, even in no-fault states. You’ll always pay for the physical damages you cause to another party, and you may still be responsible for medical payments for the other party even after they’ve used their PIP coverage.