No-fault insurance states require PIP coverage and have limits for suing Tort system states do not require PIP and do not put any stipulations on civil court actions Drivers in Utah need to make sure they have the minimum legally required insurance coverages and consider additional coverages Generally, no-fault auto insurance refers to insurance coverage that gives policyholders the right to file claims and be paid for losses from their own insurance company no matter who caused the damage. There are no-fault states and there are at-fault states. However, in a legal sense, no-fault means that in addition to this type of insurance coverage, claimants have a restricted right to recourse within the legal system and a limited tort option. First-party coverage is referred to as personal injury protection or PIP for short. In order to sue another party in civil court within a no-fault state, you must have sustained severe injuries and meet certain state criteria. The limits for which you can