It means the state (e.g., Florida, Kansas, Massachusetts, and Kentucky) requires insurance companies of
at-fault drivers to pay for the injuries and damages that were sustained during the accident.
If a state does not have no-fault insurance, clients should not admit fault at the scene of the accident or
during phone calls with insurance representatives. There is a process for determining fault so you should
not prematurely take responsibility for the accident.
It is better to let the process of determining fault play out through official channels. In some cases,
clients thought that they were at fault, but further investigations revealed different results later on.