After an accident, drivers in a no-fault state must file a claim with their own insurance company for the costs of their injuries, no matter who was actually responsible for the crash. The 12 no-fault states in the United States are Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania, and Utah.
California is an at-fault state, which means the driver deemed responsible for the accident is liable for paying the costs of potential injuries and property damage sustained by other parties.