In Ask The Experts

The term “No Fault” is usually used in relation to compensation schemes such as workmen’s compensation. It is envisaged that the Road Accident Fund will become a “no Fault” scheme soon. It simply means that the compensation payable follows once an accident and injury occur regardless of which driver was at fault. Comprehensive Motor policies cover you for damage to your vehicle regardless of whether you were at fault (ie Negligent ) or not. Obviously you are not covered for damage wilfully inflicted but as you can see this is probably where the idea or concept of “no fault insurance” comes from.

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