Which coverage type requires you to prove fault in order to receive benefits?

Tort coverage is a type of auto insurance that requires the policyholder to establish liability in order to receive benefits from the other party’s insurance in the event of an accident. This means that you must prove that the other driver was at fault to claim compensation for damages such as medical expenses, lost wages, and property damage.

In contrast, no fault coverage allows policyholders to receive benefits for their own injuries and damages regardless of who caused the accident. This approach simplifies the claims process and typically speeds up the receipt of insurance benefits because there’s no need to determine liability before payments are made.

Thus, in the context of this question, tort coverage is correctly identified as the type that necessitates proving fault to secure benefits.