Many states have opted to change their state to a no-fault insurance model which modifies the traditional civil tort claims process. There are both advantages and disadvantages to no-fault insurance, depending on which version a particular state uses. The terms of no-fault insurance state that a injured driver's own insurance company pays the medical bills and vehicle repairs for their own vehicle, as opposed to standard civil tort process of payment by the driver at fault. Policy terminology can be quite confusing, so if there are unanswered questions, or claims aren't resolved to satisfaction, it would be beneficial to contact a legal representative such as an auto accident attorney New York located or elsewhere.
How to Choose Auto Insurance in a No-Fault State