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These organizations may be able to help you obtain affordable health care supplemental insurance for seniors. Florida, for example, is repealing their "no-fault" status in 2007, if legislation doesn't change before that time. They may also require that before you attempt to sue for damages, you meet with the person who was at fault. If Meg lives in a state that offers the most comprehensive benefits, she would also be paid for medical expenses, time off work, funeral costs (if the accident was fatal), and whatever other expenses she may have incurred. Secondly, it saves everybody from the cost of lawsuits being filed so that responsibility can be proved for an accident and therefore who has responsibility for the bills. That doesnt change the fact that you need supplemental insurance, though. But the term "no fault" has more to do with how insurance claims are handled in your state. Of course, you should also take other safety precautions such as anti-theft alarms and parking your vehicle in a garage rather than on the street. Where the states differ greatly is in the minimum guaranteed payout that is set for each. Luckily, New York participates in a program for drivers and car owners to help them protect their vehicles against theft Watch Your Car. If they are inadequately covered or not covered at all, you need personal injury protection in order to keep them covered. In addition to the time factor, tort insurance lends itself to the lawsuit as a method to retrieve payment. PIP, in the event of an accident, pays for the medical expenses and other assorted damages incurred by the insurance holder and their passengers (or if the insurance holder is an injured pedestrian). Unfortunately however, it can be horrendously costly in another way if the cover is not appropriate or does not cover the intended items. Richard Cunningham is a successful entrepreneur and publisher of several profitable websites on No Fault Auto Insurance Quotes, Car Insurance and House Insurance. Unfortunately however, it can be horrendously costly in another way if the cover is not appropriate or does not cover the intended items. Luckily, New York participates in a program for drivers and car owners to help them protect their vehicles against theft Watch Your Car. Some of these elements are required by all states whilst others are not required. In no-fault states, insurance companies recover a policy-holder's financial losses whether he/she is at fault or not. Even if personal injury protection is not mandatory in your state, you may still want to consider purchasing the insurance policies. This is very important when shopping for cheap auto insurance in New York as you are likely to get better rates if you take safety precautions. Before you purchase personal injury protection, you would be advised to take a look at your current policies and see whether or not the insurance policies offered by personal injury protection is duplicated elsewhere. Stick to it until youve found a better, more affordable health care supplemental insurance for seniors. Of course, there are disadvantages to the no-fault system, many of them caused by the dishonesty of those who claim more extensive damage than can be proven. By setting this limit, insurance companies are cutting down on the time and expense of un-necessary lawsuits and consumer greed. Many seniors in American do not have enough health care insurance to adequately cover their medical needs and prescription drug medications. Maryland New Hampshire Oregon South Dakota Texas Virginia Washington Wisconsin. In fact, of the 16 or so states that enacted a no-fault policy in the early 1970's, only twelve states remain pure 'no-fault' states: Hawaii, Kansas, Kentucky, Massachusetts, Minnesota, North Dakota, Utah, Florida, Michigan, New Jersey, New York and Pennsylvania. If this is the case, then you may need minimal personal injury protection or none at all. They may also require that before you attempt to sue for damages, you meet with the person who was at fault. Several industries, particularly the insurance industry favors this system because it lowers legal fees which account for up to 15 percent of the cost of auto insurance. You may end up purchasing a health care supplemental insurance plan for seniors that doesnt quite fit your needs or your budget.