<Table> <Tr> <Td> </Td> <Td> The examples and perspective in this article may not represent a worldwide view of the subject . You may improve this article, discuss the issue on the talk page, or create a new article, as appropriate . (October 2014) (Learn how and when to remove this template message) </Td> </Tr> </Table> <Tr> <Td> </Td> <Td> The examples and perspective in this article may not represent a worldwide view of the subject . You may improve this article, discuss the issue on the talk page, or create a new article, as appropriate . (October 2014) (Learn how and when to remove this template message) </Td> </Tr> <P> In its broadest sense, no - fault insurance is any type of insurance contract under which insureds are indemnified for losses by their own insurance company, regardless of fault in the incident generating losses . In this sense, it is no different from first - party coverage . However, the term "no - fault" is most commonly used in the context of state / provincial automobile insurance laws in the United States, Canada, and Australia, in which a policyholder (and his / her passengers) are not only reimbursed by the policyholder's own insurance company without proof of fault, but also restricted in the right to seek recovery through the civil - justice system for losses caused by other parties . </P>

When did pa become a no fault state