Which coverage is generally excluded from no-fault insurance?

No-fault insurance is designed to provide benefits for individuals injured in an accident, regardless of who was at fault. It typically covers medical expenses, lost wages, and certain other costs related to the accident without the need for proving liability.

Bodily injury compensation is commonly included within no-fault policies, as is coverage for medical expenses and lost wages related to an accident. However, property damage compensation is generally excluded from no-fault insurance. This exclusion arises because property damage is typically handled through traditional liability coverage, where the at-fault party's insurance would cover the damages to the other party's property. No-fault systems are primarily focused on personal injury and do not extend to property damage claims. This setup helps to reduce the number of lawsuits and streamline compensation for injured parties while maintaining a distinct separation between personal injury and property damage claims.