no fault 僅僅是指人身傷害,財產損失還是at fault.

https://www.klnivenlaw.com/blog/is-pennsylvania-a-no-fault-state/

Property Damage

In Pennsylvania, property damage insurance is a form of liability insurance. In other words, Pennsylvania applies an “at-fault” compensation system to car accident property damage claims. There is no no-fault option the way there is with bodily injury claims.

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