In general terms it means "you fix yours" and "I'll fix mine".....This is typically a State level insurance law as in you live in a No Fault State. How it works in a claim situation, is if you were invovled in an accident with another vehicle - then your insurance would handle damages to your vehicle and any injuries to you or your passengers and the other party's carrier would do the same to them. There is also stipulations and restrictions on the ability to litigate against another party in No Fault States. The theory with the reduced exposure to litigation, then auto insurance premiums should be able to be kept at a lower level.
Call your local independent agent and discuss with them the laws of your state and how they pertain to your question.
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Call your local independent agent and discuss with them the laws of your state and how they pertain to your question.