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 in causing the accident, that the other driver was negligent in causing the accident, and therefore at-fault in causing the wreck.