Learn — Auto
No-fault insurance
How no-fault auto insurance works, why each driver’s own PIP coverage pays their medical bills after a crash, and which US states require no-fault coverage.
No-fault insurance means each driver’s own insurance pays their medical bills after an accident, regardless of who caused it. Minnesota is a no-fault state.
No-fault systems require Personal Injury Protection (PIP) and reduce litigation, but add mandatory coverage cost.