Auto insurance has two forms to determine what damages will be covered. There is the standard and the no fault.
Standard form of coverage will determine who is generally responsible for the auto accident and will decide on which party to cover. This means that if you are at fault during the incident, then the coverage will go more on the side of the other driver and vice versa.
No fault on the other hand protects both parties in times of accidents. It will provide coverage to all the motorists involved in the vehicular accident. This form however is very rare and has a certain amount limit for coverage as dictated by the company’s policy.