![]() ![]() An accident that is not on your driving record should not affect your auto insurance rate. However, you can prevent such an accident from going on your driving record by getting a police report that states who the at-fault driver in the accident is. If you are only a car accident victim, the crash may still appear on your driving record, says. Will a No-Fault Accident Go on My Driving Record? In contrast, PIP is not an essential insurance requirement for drivers in fault states. All no-fault states require their drivers to buy a Personal Injury Policy (PIP), which will pay for the driver's losses after a car crash. Knowing which kind of state you live in will help you decide on the type of vehicle coverage policy you should purchase. Fault states demand that the at-fault driver's insurance company cover all the repair costs and medical expenses incurred during the accident. In a no-fault state, each driver's insurance company covers their personal injury and property damage bills, irrespective of who caused the accident. There are specific fault determination rules that insurers use to deduce who the at-fault driver is in a car crash. ![]() The at-fault driver is the one that caused the accident, while the no-fault driver is the victim, according to Injurå. ![]() Under insurance law, there are two kinds of motor accidents: no-fault and at-fault accidents.
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