In most states, automobile liability insurance is no­fault. Under the no­fault concept, you can collect from your own insurance company regardless of who is at fault in causing the damages and losses to you and your automobile. The purpose of the no­fault concept is to ensure that medical and property damage expenses are paid promptly no matter who is at fault. No­fault insurance is generally required for all vehicles in most states. If you are involved in an accident, be sure that you understand your rights under your automobile insurance policy. Speaking with an attorney knowledgeable in personal injury law may be to your advantage in dealing with your insurance company.