no fault automobile insurance
- noun
- Specialized
:
seguro de automóvil sin culpa
- With no fault automobile insurance, you may receive compensation faster, but with limits on lawsuits for damages.
Examples
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No fault automobile insurance allows drivers to file claims with their own insurer after an accident, no matter who caused it.
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Many states have adopted no fault automobile insurance laws to reduce litigation over minor crashes.
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Many drivers prefer no fault automobile insurance for its simplicity.
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Does your state require no fault automobile insurance?
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With no fault automobile insurance, drivers can receive compensation for their injuries without having to prove who was at fault in the accident.
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Her policy includes no fault automobile insurance, which means she can file a claim for medical expenses regardless of blame.
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Many states offer no fault automobile insurance, allowing quicker access to benefits for those hurt in car accidents.
Synonyms
1
4.3
A system where each driver's own plan pays for their crash costs no matter who caused it
Surface Forms
Morphology
no + fault + automobile + insurance
The components 'no' + 'fault' + 'automobile' + 'insurance' transparently signal a kind of car insurance in which 'fault' is not used in the usual way, so a learner can infer that responsibility for accidents is downplayed. However, the precise legal/insurance mechanism (claiming from one's own insurer up to set limits regardless of who caused the accident) is specialized and not fully predictable from the words alone, so learners at B1 would likely need prior exposure or explanation.
Etymology
No fault automobile insurance comes from the idea of no fault — no one is blamed after a crash. In this system you go to your own automobile insurance company and get money for injuries or damage even if you were not 'to blame'.