Your Online Guide to Auto Insurance Quotes »

Guide to Auto Insurance Quotes

Shopping for auto insurance quotes online is extremely time and cost effective, assuming you know what you are looking for. When doing anything online, it is important to watch out for scams. Here are some tips for how to get reputable car insurance.

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Auto Insurance Quotes:
What is Basic and Standard Coverage? »

Auto Insurance Quotes: What is Basic and Standard Coverage?

There are many different options to consider when shopping for auto insurance quotes.
Coverage can fall under basic or standard categories, but what you pick is up to you. Keep reading to find out the differences.

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How Does your Sex and Age Affect your Auto Insurance Quotes? »

How Does your Sex and Age Affect your Auto Insurance Quotes?

There are many factors that go into your auto insurance quote premium. Age and sex are two that you unfortunately can't control. Keep reading to learn why these two factors affect your auto insurance rates.

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Auto Insurance Quotes for No Fault Car Insurance

No Fault car insurance is a form of auto insurance that is not dependent on determining who is at fault in an automobile accident. Normally the costs of repairs or medical charges are the responsibility of the driver determined to be at fault in an accident – and thus, ultimately their insurer. In a No Fault policy, coverage is provided no matter who is determined to be at fault in an accident. When researching automobile insurance rates, No Fault auto insurance quotes should always be investigated, if they are available, as there are distinct advantages to having No Fault car insurance – as well as disadvantages.

In any car accident, fault is determined, usually by the police responding to the scene of the accident. It is important for this reason to always call the police and obtain a police report for any accident, no matter how minor or how friendly the parties involved attempt to be. Under normal circumstances, this determination of fault also determines which insurer is responsible for paying out the claim and subsequently which party’s rates are raised as they would now be considered an at-risk driver for some time.

In an accident involving No Fault insurance, however, the victim’s insurance company pays their claim as normal under their policy. The other party’s insurance also pays for repairs and other costs as outlined in their policy, but can then immediately raise their rates as they are the at-fault party. On the one hand, No Fault insurance guarantees that repair and medical costs will be covered regardless of fault. On the other hand, it also results in immediate higher rates. Many insurance companies are happy to offer auto insurance quotes on no Fault insurance for this reason, as their financial risk is minimal.

One other major disadvantage of No Fault insurance is that you are prohibited from seeking further relief through litigation. This means that if the insurance claim payout is insufficient for car repair or medical costs, you have no further options. Under more traditional insurance you have the option of suing despite receiving an insurance payout.

There is, however, no standard for No Fault insurance in The United States. Twelve states and Puerto Rico require No Fault insurance. In three states – New Jersey, Kentucky, and Pennsylvania – drivers can choose between traditional and No Fault insurance when seeking auto insurance quotes.