Penny Gusner is a senior insurance writer and analyst at Forbes Advisor. For more than 20 years, she has been helping consumers learn how insurance laws, data, trends, and coverages affect them. Penny ...

You've probably heard of no-fault states in the context of car insurance. But if you don't live in one of the 13 states known to have that system, you probably think those rules don't apply to you.

John was formerly staff writer at Buy Side. Edited By Written by Staff Deputy Editor, Buy Side Les Masterson is a staff Deputy Insurance Editor at Buy Side and has over 10 years of insurance ...