No-Fault encompasses automobile, homeowners and commercial plans.

Although "no-fault" insurance is generally used to describe any auto insurance system that both requires drivers to carry insurance for their own protection and places limitations on their ability to sue other drivers for damages; in its broadest sense, "no-fault" insurance is any type of insurance contract under which insureds are indemnified for losses by their own insurance company.

According to CMS, the definition of no-fault insurance found at 42 C.F.R. 411.50 is controlling: No-fault insurance means insurance that pays for medical expenses for injuries sustained on the property or premises of the insured, or in the use, occupancy, or operation of an automobile, regardless of who may have been responsible for causing the accident. This insurance includes but is not limited to automobile, homeowners, and commercial plans. It is sometimes called “medical payments coverage”, “personal injury protection”, or “medical expense coverage.

 

No-fault insurance is insurance that pays for health care services resulting from injury to an individual or damage to property in an accident, regardless of who is at fault for causing the accident. Some types of no-fault insurance include, but are not limited to the following:

  • Certain forms of automobile insurance
  • Certain homeowners' insurance
  • Commercial insurance plans
  • Medical Payments Coverage / Personal Injury Protection / Medical Expenses Coverage

Many types of automobile insurance are included.

Under that definition, among other types of insurance, the following automobile insurance must be reported by insurers:

  • Uninsured Motorist Bodily Injury (UM)
  • Under-insured Motorist Bodily Injury (UNDUM)
  • Personal Injury Protection (PIP)
  • First Party Benefits (FPB)
  • Medical Payments (Med Pay)
  • Accidental Medical Protection Plan (AMPP)
  • Accidental Death Benefit (ADB or ADD)

No-Fault Associated with Liability Insurance

CMS Mandatory Insurer Reporting also requires insurers to report no-fault insurance that is associated with liability insurance.