What Does No Fault Auto Insurance Mean? 
In general terms it means `` you fix yours '' and `` I 'll fix mine '' ... This is typically a State level insurance law as in you live in a No Fault State . How it works in a claim situation , is if you were invovled in an accident with another vehicle - then your insurance would handle damages to your vehicle and any injuries to you or your passengers and the other party 's carrier would do the same to them . There is also stipulations and restrictions on the ability to litigate against another party in No Fault States . The theory with the reduced exposure to litigation , then auto insurance premiums shouldbe able to be kept at a lower level . Call your local independent agent and discuss with them the laws of your state and how they pertain to your question . 