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.
Question
Do I need no-fault coverage?
Agent Answer
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.