Hawaii, September 1, 1974 Kansas, January 1, 1974
Kentucky, July 1, 1975
Massachusetts, January 1, 1971
Michigan, October 1, 1973
Minnesota, January 1, 1975
New Jersey, January 1, 1973
New York, February 1, 1974
North Dakota, January 1, 1976
Pennsylvania, July 1, 1990 (earlier law passed on July 19, 1976)
Utah, January 1, 1974
Compulsory first-party, optional liability insurance; some restrictions on lawsuits:
Florida, January 1, 1972 (compulsory property damage liability)
Puerto Rico, 1970
If you have an accident for which you aren't at-fault, and you live in a "no-fault" state, you must make a claim under your PIP or personal injury protection coverage and your own insurance carrier must pay for your medical bills. The "no-fault" part comes from the fact that even though someone, say, plowed into the rear of your car while you were stopped at a red light, your own carrier must pick up the medical cost (i.e. ambulance, hospital, rehab, etc.).
In a pure "at-fault" state, the person who caused the auto accident is responsible for payment of all of the damages sustained by the people and property involved. The theory in an at-fault state is that the person (or people) who caused the loss must make everyone else whole again, and everyone is held accountable for the results of his/her actions. In "at-fault" states, courts (through lawsuits) are often called upon to resolve the issue of whom is the at-fault person and will be the one to pay for all damages.
I recommend
Comparison Market, they offer online binding, a dependable interface and many top rated carriers. You can get a good prices regardless of if your State is no-fault or not.
Hawaii, September 1, 1974
