If you live in one of the 12 states that currently has or includes a no-fault auto insurance scheme, i.e., Florida, Michigan, New Jersey, New York, Pennsylvania, Hawaii, Kansas, Kentucky, Massachusetts, Minnesota, North Dakota and Utah, or the District of Columbia, this article will help you dissect and understand the coverages on your auto policy.  All the other states are considered “fault states”.   In a no-fault state, it does not matter who caused the accident in order for you to recover money under an insurance policy.  The good news is that your own insurance will protect you and provide you with immediate medical treatment.  The not-so-good news is that in a no-fault state, you are limited in your ability to sue the negligent driver for damages.