Herramienta de JusticeFinder

Estados No-Fault frente a At-Fault

Explica la diferencia entre sistemas no-fault y at-fault y qué significa para un reclamo tras un accidente de auto.

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Explorador no-fault / at-fault

Selecciona el estado para ver el tipo de sistema y notas educativas de cobertura.

Cargando los controles de la calculadora…

Data under review

38 of 51 jurisdictions are fully verified. Rows still under review are listed with a caveat, but their specific deadline/rule/limit values are withheld (shown as “—”) until a final source check.

Elige tu estado

Florida

Florida is a No-fault (PIP) state. Use your own PIP first; lawsuits are limited unless you meet a threshold. Threshold to step outside no-fault: verbal (permanent injury / significant scarring).

⚠ Under review — pending a final primary-source check.

Source: Fla. OIR / Fla. Stat. § 627.736

Sistema de seguro

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Umbral no-fault

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All states & DC

Showing 51 of 51


Alabama	At-fault (tort)	—	Sue the at-fault driver for your damages.
Alaska	At-fault (tort)	—	Sue the at-fault driver for your damages.
Arizona	At-fault (tort)	—	Sue the at-fault driver for your damages.
Arkansas	Add-on PIP	—	PIP is available and you can still sue the at-fault driver.
Californiaunder review	—	—	—
Colorado	At-fault (tort)	—	Sue the at-fault driver for your damages.
Connecticut	At-fault (tort)	—	Sue the at-fault driver for your damages.
Delaware	Add-on PIP	—	PIP is available and you can still sue the at-fault driver.
District of Columbiaunder review	—	—	—
Floridaunder review	—	—	—
Georgia	At-fault (tort)	—	Sue the at-fault driver for your damages.
Hawaii	No-fault (PIP)	monetary ($5k medical) / verbal	Use your own PIP first; lawsuits are limited unless you meet a threshold.
Idaho	At-fault (tort)	—	Sue the at-fault driver for your damages.
Illinois	At-fault (tort)	—	Sue the at-fault driver for your damages.
Indiana	At-fault (tort)	—	Sue the at-fault driver for your damages.
Iowa	At-fault (tort)	—	Sue the at-fault driver for your damages.
Kansas	No-fault (PIP)	monetary ($2k medical)	Use your own PIP first; lawsuits are limited unless you meet a threshold.
Kentuckyunder review	—	—	—
Louisiana	At-fault (tort)	—	Sue the at-fault driver for your damages.
Maineunder review	—	—	—
Maryland	Add-on PIP	—	PIP is available and you can still sue the at-fault driver.
Massachusettsunder review	—	—	—
Michiganunder review	—	—	—
Minnesota	No-fault (PIP)	monetary ($4k medical) / verbal	Use your own PIP first; lawsuits are limited unless you meet a threshold.
Mississippi	At-fault (tort)	—	Sue the at-fault driver for your damages.
Missouri	At-fault (tort)	—	Sue the at-fault driver for your damages.
Montana	At-fault (tort)	—	Sue the at-fault driver for your damages.
Nebraska	At-fault (tort)	—	Sue the at-fault driver for your damages.
Nevada	At-fault (tort)	—	Sue the at-fault driver for your damages.
New Hampshireunder review	—	—	—
New Jerseyunder review	—	—	—
New Mexico	At-fault (tort)	—	Sue the at-fault driver for your damages.
New York	No-fault (PIP)	verbal (serious injury) / monetary	Use your own PIP first; lawsuits are limited unless you meet a threshold.
North Carolinaunder review	—	—	—
North Dakota	No-fault (PIP)	monetary ($2.5k medical) / verbal	Use your own PIP first; lawsuits are limited unless you meet a threshold.
Ohio	At-fault (tort)	—	Sue the at-fault driver for your damages.
Oklahoma	At-fault (tort)	—	Sue the at-fault driver for your damages.
Oregon	Add-on PIP	—	PIP is available and you can still sue the at-fault driver.
Pennsylvaniaunder review	—	—	—
Rhode Island	At-fault (tort)	—	Sue the at-fault driver for your damages.
South Carolina	At-fault (tort)	—	Sue the at-fault driver for your damages.
South Dakota	At-fault (tort)	—	Sue the at-fault driver for your damages.
Tennessee	At-fault (tort)	—	Sue the at-fault driver for your damages.
Texas	At-fault (tort)	—	Sue the at-fault driver for your damages.
Utahunder review	—	—	—
Vermont	At-fault (tort)	—	Sue the at-fault driver for your damages.
Virginiaunder review	—	—	—
Washington	At-fault (tort)	—	Sue the at-fault driver for your damages.
West Virginia	At-fault (tort)	—	Sue the at-fault driver for your damages.
Wisconsin	At-fault (tort)	—	Sue the at-fault driver for your damages.
Wyoming	At-fault (tort)	—	Sue the at-fault driver for your damages.

Cómo usar esta herramienta

Abre la referencia estatal. Recuerda que los valores son resúmenes educativos, no asesoría legal.
Selecciona tu estado. Elige el estado del accidente, la póliza o el reclamo para ver la regla correcta.
Lee la regla y las advertencias. Revisa límites, plazos o sistemas de culpa y cualquier nota de verificación.
Continúa con otra herramienta. Usa calculadoras de plazos, culpa o valuación después de conocer la línea base estatal.

Cómo usar esta herramienta

Selecciona el estado para ver el tipo de sistema y notas educativas de cobertura.

Si la interfaz interactiva muestra algunas etiquetas en inglés, usa esta página en español como guía de cada campo y del significado de los resultados. La lógica del cálculo es la misma que en la versión en inglés.

Aviso importante

Las reglas PIP y de demanda varían. Esta herramienta es una referencia educativa.

Usa estas páginas y herramientas para validar el estimado, conservar la evidencia y mantener tu expediente organizado.

Guía

Guía de no-fault y culpa

Lee la guía educativa emparejada con esta herramienta.

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