am i covered on a no fault insurance policy if my name is not on the insureannce

Dear Karen:  As to your first question, you should seek the advice of a lawyer who practices in the state where your inlaws policy of insurance was written (i.e. where you inlaws live).  The law of the state where the policy was written controls whether or not you are covered by their insurance.  You should also review the policy language, as that too will provide you with guidance as to whether or not your are covered by their insurance.  Generally speaking, the answer would be probably, but it really depends on the laws of the state where the policy was written and the policy language itself. As to your second question, if the other driver was at fault for the collision, then most likely she is responsible for the damages/injuries.  However, if the accident occurred outside of Ohio and was in a no-fault state, then the law of the no-fault state most likely applies.  Usually for no-fault states, it does not matter who was at fault for the collision.  Each person's insurance pays for their own damages, except in cases of serious/catastrophic injuries or death.  That is the essence of the no fault system.  If it did occur outside of Ohio, you should speak with a knowledgeable lawyer in the state where the accident occurred. Best of luck.