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No-fault insurance, sometimes referred to as personal injury protection insurance (PIP), can help cover you and your passengers’ medical expenses, loss of income and more in the event of an accident, no matter who is found “at fault.” 

Unlike other types of car insurance, no-fault insurance is a required coverage in certain states. So, which states have no-fault insurance? Check out this list of 18 states that require their drivers to purchase no-fault / PIP coverage, as of November 2016:

  • Arkansas
  • Delaware
  • Florida
  • Hawaii
  • Kansas
  • Kentucky*
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • New Jersey*
  • New York
  • North Dakota 
  • Oregon
  • Pennsylvania* 
  • Texas
  • Utah
  • Washington

Please keep in mind that these laws are subject to change, so it’s best to check with a local agent to confirm the type of coverage your state requires.

If you live outside of these 18 states, you live in what is called a “tort state.” In tort states, the insurance company of the individual found to be at fault pays for all damage costs in the event of an accident.

Do you live in one of the above no-fault states? If so, you need no-fault insurance to drive legally and protect yourself on the road. 

Learn more about what no-fault insurance is and what it covers, or start your personal injury protection quote today with Nationwide.

*Kentucky, New Jersey and Pennsylvania are known as “optional no-fault” or “choice no-fault” states. In these states, drivers choose whether they will be held to a no-fault system.

The information included here is designed for informational purposes only. It is not legal, tax, financial or any other sort of advice, nor is it a substitute for such advice. The information may not apply to your specific situation. We have tried to make sure the information is accurate, but it could be outdated or even inaccurate in parts. It is the reader’s responsibility to comply with any applicable local, state or federal regulations. Nationwide Mutual Insurance Company, its affiliates and their employees make no warranties about the information nor guarantee of results, and they assume no liability in connection with the information provided.

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