The other seven states—hawaii, kansas, kentucky, massachusetts, minnesota, north dakota and utah—use a monetary threshold. In some states, individuals need to buy pip coverage as well.

What does it mean to say that New York is a nofault car
Fault does not matter in this situation.

No fault insurance states. Florida, hawaii, kansas, kentucky, massachusetts, michigan, minnesota, new jersey, new york, north dakota, pennsylvania, and utah. In most states, the person who caused the accident will pay for some or all of the damages. This generous benefit is underwritten by a $220 a year fee (per vehicle) all drivers pay.
These include florida, kentucky, michigan, new jersey, and new york. Kansas, kentucky, hawaii, massachusetts, minnesota, utah and north dakota as well as the following states, which have verbal thresholds: Florida, michigan, new jersey, new york and pennsylvania.
This coverage is also known as personal injury protection (pip) insurance. This is how car insurance works in most states. Florida, michigan, new jersey, new york and pennsylvania have verbal thresholds.
Under this type of car insurance system, drivers are compensated for certain damages no matter who is at fault. This type of car insurance covers your own injuries and the damage you suffer. The big difference between michigan and other no fault states is the limits.

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Because Florida is a nofault state insurance companies

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