What type of damage does the no-fault coverage primarily provide?

Study for the New York General Adjuster 10-70 Test. Prepare with flashcards and multiple choice questions, each with explanations. Ace your exam!

No-fault coverage is designed primarily to provide compensation for bodily injury that arises from automobile accidents, regardless of who was at fault in the incident. This system allows injured parties to recover medical expenses, lost wages, and other associated costs without having to prove fault against another party. By focusing specifically on bodily injury, no-fault insurance aims to simplify and expedite the claims process, reducing the burden on the legal system and ensuring that individuals receive timely medical care and support after an accident.

The other options pertain to types of damages that are not covered under no-fault insurance. Property damage refers to damage to vehicles or personal property and is typically covered by collision or comprehensive insurance rather than no-fault insurance. Pain and suffering, as well as loss of consortium, are types of damages that require proving fault and are not part of what no-fault insurance compensates. Thus, no-fault insurance is distinctive in its coverage, prioritizing bodily injury to facilitate quick support for injured parties.

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