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Is North California A No-Fault State? Learn Now!

By  Dan McCrary | January 30, 2024

One of the most common questions that come to mind regarding California is whether it is a no-fault state or an at-fault state. Both are opposite of each other and affect the outcome of an accident. 

In the no-fault state, all drivers included in the accident have to pay for their medical expenses and bear the loss with PIP insurance. Meanwhile, in the at-fault state, the responsible driver is bound to pay compensation (medical and property damage) for the loss of the other driver. 

To help you understand the laws better, we’ll explain what a no-fault state is and whether Northern California is a no-fault state. You’ll also get answers about the importance of liability coverage insurance and its difference from PIP insurance. 

What’s A No-Fault State?

A no-fault state means a state where all drivers included in the car accident will bear their loss of an accident. The drivers will contact their PIP insurance provider, and they’ll pay for the medical expenses of their respective clients. 

You can’t sue the other driver to pay for the compensation unless the financial loss crosses a certain limit. This law is currently implemented in twelve states of the United States. In these states, PIP (Personal Injury Protection) insurance is required for every driver. 

The benefit of PIP insurance is that the driver gets the insurance money more easily than the at-fault state because insurers don’t investigate who was at fault for the accident. This leads to quicker and more efficient compensation for accident-related expenses.

Is California A No-Fault State? 

No, California isn’t a no-fault state. Instead, it’s an at-fault state, which means if you’ve proven responsible for the accident, you must pay the compensation for medical bills, injury compensation, and property damage for the other driver. 

Remember, there will be a proper investigation into which driver was responsible for the accident. The individual that’s found responsible will pay the compensation with the liability coverage insurance. 

Liability coverage insurance is a must for drivers in California. This type of insurance covers the expenses of injuries and damage you cause to other drivers. It’s mandatory for drivers to meet the minimum liability insurance requirements

  • $15,000 in case of the death or injury of one person.
  • $30,000 for the injury or death of more than one person.
  • $5000 for property damage.

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Liability Coverage California Vs. PIP Insurance 

Liability coverage and PIP (personal injury protection) insurance are two different types of insurance. Both are mandatory by law for all drivers as per the at-fault and no-fault status of the states. 

For instance, if you live in a no-fault state, the driver has to buy PIP (personal injury protection) insurance. This insurance specifically addresses post-accident medical expenses such as hospital bills.

At the same time, liability coverage insurance only covers the loss of the victim of an accident when you’re at fault. This insurance isn’t limited to medical expenses but also pays compensation for the other driver’s property damage. 

What Happens When Both Drivers Are At Fault For The Accident?

As stated, there will be a proper investigation to find out whose negligence caused the accident. The decision of the investigation will be based on proof such as CCTV footage, car condition, witness statements, and so forth. 

If the proof shows that both drivers are equally to blame, their insurance companies will share the responsibility for paying the costs. The court steps in to decide how much each driver messed up and determines the compensation.

In cases where one driver bears less responsibility than the other, resulting from a minor error, the less culpable party will pay lower compensation. This helps ensure a fair distribution of financial responsibility.

Final Words

Is North California a no-fault state? No, California isn't a no-fault state. In California, the driver who caused the accident is liable to pay compensation for the loss of the other driver. The compensation includes medical bills and property damage.

The compensation will be paid with the Liability Coverage insurance, which is mandatory for every driver in California. If you need more help regarding this topic, you can contact our motor vehicle accident attorney.

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    McCrary Accident Injury Law Firm specializes in personal injury litigation. Its founder, Dan McCrary, Esq., spent 14 years working for the insurance companies before switching sides to represent personal injury victims in Rocklin as an attorney.

    Dan McCrary’s years of experience on the defense side taught him exactly how to obtain maximum recovery for his injured clients. If you have been injured in an accident you should contact the Accident & Injury Lawyers, Personal injury Attorney, Car accident lawyers at McCrary Accident Injury Law Firm in Rocklin, folsom, Sacramento to get the money you deserve, and overcome the tactics routinely employed by the insurance companies.