What is often a defining feature of a Tort State in automotive insurance?

In automotive insurance, a Tort State is characterized by a system in which the driver's liability for a car accident is the primary means of compensation for damages. This means that when an accident occurs, the driver who is determined to be at fault is responsible for paying for the damages incurred by the other party. The defining feature is the increased liability that at-fault drivers face, which can include expenses for medical bills, property damage, and other costs associated with the accident.

This system contrasts with no-fault insurance states, where individuals claim compensation from their own insurance regardless of fault, and personal injury protection is mandated. In Tort States, rather than having immediate payment for claims, the process can involve legal proceedings, negotiations, and a determination of fault to establish who pays for damages. This structure encourages drivers to be cautious and may impact how they approach driving and maintaining their insurance coverage.