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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:
What Is No-Fault and Which States Use It? âNo-Faultâ means that drivers have insurance to cover their own injuries and damage rather than insuring to pay out to the other person. Florida relies mostly on the no-fault system of insurance. Florida requires residents to carry $10,000 worth of Personal Injury Protection (PIP) and $10,000 of Property Damage Liability (PDL). The PDL does, in fact, pay out for damages if a driver is at fault and causes damage to someoneâs vehicle or property.