What type of insurance allows an insured to collect damages from their own insurer without proving another party's negligence?

No-fault insurance is designed to allow insured individuals to obtain compensation for damages related to injuries and certain other losses without the need to establish that another party was at fault or negligent. This type of insurance streamlines the claims process, as it provides coverage for medical expenses, lost wages, and other damages regardless of who is responsible for the incident.

In contrast, liability insurance typically requires the insured party to prove that another party’s negligence caused their damages before making a claim. Property insurance covers loss or damage to one's own property but does not address bodily injury claims in the same manner as no-fault insurance. Comprehensive insurance is a type of auto insurance that covers damage to a vehicle from various non-collision-related incidents, but it also does not provide the same benefits as no-fault insurance for personal injury claims.

Thus, no-fault insurance's primary distinction is that it enables insured parties to claim benefits directly from their own insurer without assigning fault, significantly simplifying the claims process for those injured in accidents.