Our Positions | No-Fault Insurance

No fault auto insurance, in which drivers injured in an accident seek economic recovery from their own insurer rather than suing a potentially at-fault party under many cases, was developed with the objectives of reducing litigation, lowering costs, and providing injured drivers with a speedy and efficient means of recovering for losses.

With those goals in mind, NAMIC has a history of favoring the adoption of such laws to replace traditional tort systems in which injured parties typically sue at-fault drivers to recover for losses. However, in many cases no fault systems have not been implemented in a way to best achieve those goals, and in other cases systemic problems have developed and persisted to a degree that they overshadow the intended benefits. In some cases, such circumstances have led NAMIC to advocate for specific reform measures; Florida and Michigan fit into this category. In others, political realities preventing the opportunity for meaningful reform have dictated that it is more prudent to support the repeal of no fault in some states.

NAMIC Position

NAMIC will continue to assess reforms to each state’s no-fault law and apply a set of principles that it believes could enable the no-fault laws to become more efficient and less expensive for consumers.

Michigan: DIFS Advises Licensees of New PIP Obligations

July 7, 2020 In Bulletin 2020-29-INS, the Michigan Department of Insurance and Financial Services reminds licensees, including producers and insurers, of their obligation to provide consumers with quotations for all forms or types of... Read more

DOT Launches New Commercial Crash Preventability Determination Program

May 11, 2020 The Federal Motor Carrier Safety Administration, part of the Department of Transportation, announced on May 6 the start of a new Crash Preventability Determination Program to evaluate the preventability of crashes involving... Read more

Florida: PIP Repeal Ready for House Floor, Lacks Bad-Faith Reform; Other Legal Reforms Discussed, Progress Uncertain

March 3, 2020 The Florida House PIP repeal bill, HB 771, was approved 17-7 by the House Commerce Committee on Feb. 27. Once it is scheduled by the Rules Committee, the bill will be taken up by the full House. Some of the “no” votes were because the bill does... Read more

Florida: Prospects Dimming for Major Legal Reform

February 25, 2020 With only three weeks left in the Florida 2020 legislative session, prospects for passing many of the high-priority property/casualty insurance bills related to legal reform are beginning to dim... Read more

Florida: ‘Loss Runs,’ Litigation Loans, Attorney Fee Multiplier, PIP Repeal, Asbestos Trust Claims, Other Issues in Play During Second Week of Session

January 23, 2020 The second week of the 2020 Florida legislative session has been packed with activity on many bills. NAMIC is working on the ground with industry partners to seek an amendment to HB 269 and SB 292, companion bills that seek to codify the procedure for wh Read more


Jon Bergner
Vice President - Public Policy and Federal Affairs