There are several types of No-Fault Insurance Laws. In some states, neither driver is considered at fault and each one generally submits claims to their own insurance. Other places, such as Canada, have limits on the ability to file suit for damages. If your damages are above a certain amount, you may file suit. In the United States, there is not a pure no-fault insurance where no one is to blame for any accident. At least two states, Pennsylvania and New Jersey, have "Choice No-Fault Insurance." If you are in an accident with someone who has this type of insurance in that state and they have this insurance, you can not file suit against them and they can not file suite against you. Due to the variety of specific sections of the various laws, deciphering these laws may be complicated. Competent Personal Injury lawyers know these laws and are more qualified to assist you in the recovery of your losses.