Worker's compensation insurance is known as "no fault" insurance. What does this mean?

Worker's compensation insurance being referred to as "no fault" means that the insured employee is entitled to receive benefits for work-related injuries or illnesses without the need to prove that their employer was negligent or at fault for the incident. This system is designed to provide financial support and medical coverage to injured workers quickly, ensuring they get the necessary care and compensation regardless of the circumstances surrounding the injury.

In a "no fault" system, the focus is on providing benefits efficiently and equitably rather than determining liability. This approach helps to reduce the adversarial nature of legal claims and allows workers to receive prompt assistance, minimizing delays that can occur in traditional liability cases.

While other answers may touch on different aspects of workers' compensation or other types of insurance, they do not adequately encapsulate the essence of the "no fault" concept. For example, compensation is provided irrespective of fault rather than the insured being found faultless or the obligation to cover previous injuries being canceled. Furthermore, it does not necessarily mean that all accidents at work are covered, as there are exclusions and limitations in coverage.