Summary: The state no-fault plans outlined on these pages provide no-fault benefits in the form of additional first-party coverage, but, unlike in true no-fault states, do not strongly restrict the right to sue. They are often referred to as add-on no-fault plans. Because the use of tort liability is not fully impaired, these plans, for purposes of this discussion, are classed as expanded medical payments and disability benefits rather than modified no-fault plans. The modified no-fault plans are discussed elsewhere in this section. New Hampshire, Texas, Virginia, and Wisconsin are also add-on states, although there are no specific add-on endorsements for these states.

States covered: Arkansas Delaware Maryland Oregon Pennsylvania South Dakota Washington