No-fault insurance is coverage that pays for the driver’s injuries, regardless of who causes the accident. Such policies are designed to promote faster reimbursement and reduce the amount of litigation necessary. No-fault policies vary from state to state, and are available only in “no-fault” states, including Utah.  Wikipedia gives a good description of the no fault states at  http://Wiki.answers.com/Q/How_many_states_in_the_US_are_'No-fault'_states.

There are many advantages to having no-fault insurance. This type of insurance is easier to deal with because your insurance pays for your injuries and the other driver’s insurance pays for his or her injuries—there are no legal battles. Claims are processed faster because you are guaranteed immediate compensation for your losses.

However, there are disadvantages to having no-fault insurance as well. Damages from pain, suffering, and emotional distress are not usually covered by no-fault insurance; other disadvantages include that there are lower dollar limits on medical expenses and lost income, and losses above your established limits are not covered. Vehicle damage is not covered: to repair your vehicle, you must rely on your collision coverage or the other driver’s collision coverage. No-fault insurance also has liability thresholds that may restrict your ability to pursue a liability lawsuit.