Question

Do I need no-fault coverage?

What is no fault coverage & why do I need it? I think we should have it but my hubby says no. We are retired, early 80's. Car is 15yrs old, Infinity I35, very good condition.

Jun 20, 2018 Thousand Oaks, CA

Answer
Ava Lynch

Jun 20, 2018

You can't really get no-fault unless you live in a state where it is required. Currently, 12 states have no-fault insurance laws: Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania and Utah. Because you live in California, you're not required to have it. The coverage I do recommend, however, is liability limits at 100/300/100, uninsured motorist coverage, and depending on the value of your vehicle, collision and comprehensive coverage. Most insurance experts advise that if your vehicle is worth more than $4,000, you should consider adding these coverages. You can determine the value of your vehicle through Kelley Blue Book and NADA online. Best of luck.

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