No-fault insurance is a type of
insurance (typically
automobile insurance) where
insureds are
indemnified by their own insurer regardless of fault in the incident. The term is often applied to any type of
policy that allows for a policyholder to be reimbursed by their own insurer without proof of fault, but technically it refers only to state/provincial laws that not only allow for recovery of direct damage but also limit the right of the insured to sue.
See more at Wikipedia.org...
Refers to a system in which the party that bears the blame (fault) for an accident is liable for any damages.