What type of damages does no fault insurance typically cover?

No-fault insurance is designed to provide coverage for injuries incurred by the insured party, regardless of who was at fault in an accident. This means that if a person is injured in a car accident, they can seek compensation for medical expenses and related costs directly from their own insurance company rather than pursuing a claim against the other driver’s insurance. This system aims to streamline the claims process and reduce the legal complexities associated with determining fault.

In this context, the focus is on covering injuries sustained by the insured themselves—such as medical expenses, lost wages, and rehabilitation costs—without needing to establish liability. Therefore, this type of insurance is specifically structured to ensure that injured parties can quickly obtain the assistance they need following an accident, emphasizing the prompt provision of benefits for medical care and recovery.