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Q. What is “No-Fault” Insurance?

A. Maryland and Virginia do not have “no-fault” insurance. Those states that do have different variations of “no-fault” insurance require minimum coverages to pay anyone who was injured while in a vehicle involved in a collision. The key feature of a no-fault law is the guarantee of being paid by your own insurance company for a variety of limited losses, whether or not you were at fault, in exchange for giving up your right to make a claim against the other driver. No fault laws are designed to limit your recovery. Fortunately, no such limits have been enacted in Maryland or Virginia.

Posted in: Auto Collisions, Fault and Insurance