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Is no-fault insurance optional? No-fault insurance is mandatory in 18 states. Importantly, some states require that medical expenses incurred in the accident are covered by medical payments insurance (or med pay), not no-fault insurance. Here are a few things no-fault insurance may cover for no-fault policy owners and their passengers:
In many states, such as Florida, no-fault basically means you are required to have Personal Injury Protection (PIP), which you use if injured in an accident, no matter who was at fault. So if you were not at fault in an accident, you would place a claim against your own personal injury protection coverage instead of the at-fault party's Bodily Injury Liability.