In a no-fault auto insurance state, how are damages typically recovered for an injured insured?

In a no-fault auto insurance state, how are damages typically recovered for an injured insured?

• A. From the at-fault driver's insurer
• B. From the insured's own insurer
• C. Shared between both insurers
• D. Through litigation only

Answer: (B)

In a no-fault system, the injured person normally taps into their own policy for the primary benefits. Medical expenses and lost wages are paid by the insured’s own insurer under Personal Injury Protection, regardless of who caused the accident. This is why damages are typically recovered from the insured’s own insurer. Only in limited cases—such as when injuries meet certain severity thresholds or state rules allow a tort claim—might you pursue damages from the other driver, but the everyday path is through your own policy.

In a no-fault system, the injured person normally taps into their own policy for the primary benefits. Medical expenses and lost wages are paid by the insured’s own insurer under Personal Injury Protection, regardless of who caused the accident. This is why damages are typically recovered from the insured’s own insurer. Only in limited cases—such as when injuries meet certain severity thresholds or state rules allow a tort claim—might you pursue damages from the other driver, but the everyday path is through your own policy.