Car insurance glossary
What is no-fault insurance?
No-fault insurance usually means a system where your own policy pays certain injury benefits after a crash, regardless of who caused it.
Also called: no-fault auto insurance
Glossary date: February 23, 2026
How it works
The phrase does not mean fault never matters. Fault can still affect vehicle damage, liability claims, and whether an injured person may sue.
Example
After a covered crash, a driver first seeks eligible injury benefits from personal injury protection on the driver's own policy.
Why it matters
Using the wrong claim process can delay bills, especially when treatment and notice deadlines apply.
What to check on your policy
Confirm whether your state uses a no-fault system and read the PIP claim instructions and deadlines.
Related car insurance terms
Put the terms into context
Read the full guide, find a nearby GoAuto office, or start a quote with the coverage details you want to discuss.