When it comes to personal injury, there are two kinds of insurance; fault and no-fault. In a no-fault state, a person’s own insurance company pays for their medical bills and damages. In a fault state the person or persons responsible for the accident are also responsible for paying the bills related to the accident. California is a comparative fault state. This means that a person is responsible for the percentage of the accident they caused. If you are responsible for 20 percent of an accident, you can recover 80 percent of your auto damage and medical expenses from the other driver’s insurance company.
What is a Tort State?