Having no-fault auto insurance is good because it speeds up the claims process by requiring the insurance companies of both drivers to pay for the injuries. Various states are considered no-fault, which means that their car insurance companies don‘t leave one person paying for the damages done. If you live in a no-fault state, then neither driver is completely at fault, this doesn’t mean there is no one responsible. It just ensures that all expenses are paid for — sometimes one driver doesn’t have enough. So no matter who is at fault, the insurance company pays for the accident. Although, if you don’t get coverage that protects yourself, you won’t be covered for medical expenses if another driver is the cause of the accident. The insurance the other driver has only covers them, not you.