The term “ no-fault insurance ” means that your own auto insurance carrier will carry the responsibility of paying some or all of your medical bills and lost earnings if you should get into a car accident, regardless of the attribution of fault. By contrast, in a liability state (a state that does not adhere to the “no-fault” principle), the drivers in an accident can choose whether to file a claim for personal injuries under their own policy or under the “at-fault” party, and they can even choose to litigate the claim to determine who is at fault and responsible for the damages and costs associated with the accident. There are about a dozen states where the “no-fault” car insurance laws are in effect. These states include: Florida, District of Columbia, Hawaii, Kansas, Kentucky, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania, and Utah. A “no-fault” claim will fall under your personal injury protection benefits, otherwise known as PIP benefits. All Florida drivers are required to carry, at a minimum, PIP benefits under their respective policies. Personal Injury Protection will not only cover you, individually, in an accident, but will also cover your child, members of your household who are relatives, a passenger who lacks PIP coverage and does not own a vehicle, licensed drivers who drive your vehicle with your permission, and some other case-specific scenarios.