If you just came here looking for the simple and short answer to this question, then the answer is no.
However, if you want to know more about what a no fault state is and what the difference with a fault state is, then read on.
One of the most important things to determine when there is a car accident is finding out who is at fault. This is not always easy. The laws that regulate traffic can change dramatically from state to state. Therefore, it is not rare that in the same situation, a driver would be at fault in one state and not at fault in another.
Also, car accidents happen very fast and sometimes the nature of the accident makes it difficult to find out who is at fault. And of course, there are some people who know they are at fault but claim they are not in order to avoid penalties.
Because of this, sometimes it takes a long time for insurance companies to find out who is at fault and how much. In some instances, both drivers might be at fault at 50% each, or at any other combination. And then there are those car accidents that involve more than two vehicles, which complicate things even further.
In very long investigations, drivers and their passengers might have to face expenses or emergencies by themselves. There are ambulances and hospital bills that need to be paid on the moment, not when some insurance employee wants to.
This has led to most states in the United States to adopt one or two policies to deal with this.
No Fault States: Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania, and Utah.
In these states, a driver doesn’t have to wait for his insurance company to decide whether he’s at fault or not. He can immediately claim compensation for hospital and doctor bills. On the other had, he can’t ever claim compensation for non-body damages, such as pain and suffering, emotional distress, and inconvenience. Car damage is still handled on a per fault basis, since it’s not considered urgent or relevant to the well being of the drivers and their passengers.
Fault States: The rest of them.
In these states, you have to wait until the insurance companies agree on who is at fault and for how much. On the other hand, you can very well claim compensation for pain and suffering, emotional distress, and inconvenience.