From 1989 to 1994, the average annual premium increase in states without no-fault insurance was 50 percent lower than in no-fault states.

In "no-fault" states, personal injury protection replaces medical payments as part of the basic coverage.

Many no-fault states allow any injury claim valued at more than a set figure - often as low as $500 - to go to court.

Thirteen no-fault states have no limit at all on lawsuits.

In the face of such arguments, the no-fault states decided that drivers would retain the right to sue each other in the case of serious accidents.

New Jersey is also a no-fault state notorious for high auto insurance rates.

In fact, legislation in almost every no-fault state left wide loopholes that permitted lawsuits for a range of non-economic losses.

We are a no-fault state, although fault may be relevant in determining property division and alimony.

In a no-fault state, your own insurer pays you with no finding of fault taking place.

In Connecticut, which considers itself a a no-fault state, lawsuits are allowed if damages exceed $400.