In a “no-fault” state, drivers are required to purchase Personal Injury Protection coverage. This coverage pays the expenses for you or anyone who drives your car, anyone living in your household, pedestrians, and passengers involved in the accident, no matter who causes the accident.
On the other hand, in an “at-fault” state, the insurer of the driver who caused the accident is responsible for compensating the accident victims.
To put this into perspective, if you get involved in an accident while driving a rental car in Massachusetts, you can file a claim even if you caused the accident.