There’s a pretty substantial difference between no-fault and at-fault. No-fault’s a bit of a misnomer because a lot of people misunderstand what it means. No-fault doesn’t mean that you cannot make a claim against someone else responsible for causing an accident. What it means is that your own insurance company will step up to the plate and pay the first part of your medical bills after an accident. You can still make a claim against the at-fault drive in a no-fault state, but being at-fault means that you were responsible for causing the accident, that the other driver was negligent in causing the accident, and therefore at-fault in causing the wreck.

What Is Negligence?

Negligence is a failure to conduct oneself as a reasonable person would under similar circumstances. So, for example, texting and driving, reading an entire article on one’s phone while driving. Things like that that ultimately result in an accident, those are negligent acts.