In its broadest sense, "no-fault insurance" is a term used to describe any type of insurance contract under which insureds are indemnified for losses by their own insurance company, regardless of fault in the incident generating losses. In this sense, it is no different from first-party coverage. However, the term no-fault is most commonly used in the context of state/provincial automobile insurance laws in the United States, Canada, and Australia, in which a policyholder (and his/her passengers) are not only reimbursed by the policyholder’s own insurance company without proof of fault, but also restricted in the right to seek recovery through the civil-justice system for losses caused by other parties.

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Kasko osiguranje (zakon prema kojem ostecenik u automobilskoj nezgodi moze postaviti odstetni zahtjev za lijecnicke I bolnicke troskove izravno svom osiguravatelju bez obzira na to tko je skrivio nezgodu)