Coverage & Claims

Do I need no-fault coverage?

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.

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General Insurance

How does being rear ended affect your car insurance in a no-fault state?

Because of the way Utah's no-fault car insurance works, every driver is required to file a claim with their own insurance company after an accident, regardless of who was at fault. This is typically covered by your Personal Injury Protection coverage. Unfortunately, this can make your car insurance very expensive as companies are wary of drivers with these types of claims even their cost and propensity for insurance fraud.

Eligibility

Why is car insurance so expensive in Kentucky?

Kentucky is much more expensive due to their insurance laws. Indiana only requires you carry liability insurance.
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