Are you moving to one of the 12 states that have no-fault auto insurance and are not quite sure what that means? If so, it will help to know what makes no-fault auto insurance different from the type of insurance that you've had in the past, and how it works if you are seriously injured in an accident.
How Is No-Fault Auto Insurance Different?
One of the problems with car insurance is that getting compensated from an accident can be a long and difficult process. There is almost always going to be one party that is at fault for causing the accident, and the victim will need to go after the responsible person's auto insurance provider to receive that compensation for a personal injury.
No-fault auto insurance recognizes the problem and changes how insurance works. When an accident happens in a state that uses no-fault auto insurance, neither driver is held responsible for the crash when it comes to being compensated for minor personal injuries. Instead, you simply use your own auto insurance to cover your medical expenses, which helps prevent many lawsuits for minor injuries from going to court.
What Is PIP Insurance?
Drivers have the option of purchasing personal injury protection insurance, often known as PIP, which covers your injuries and other expenses if you were to get into an accident with another driver. For example, you may have lost wages from having to go to the hospital. PIP insurance is required in some states, and it is required to use PIP insurance before you use your personal health insurance.
What If You Are Seriously Injured?
There are some scenarios where you are allowed to sue the other driver for medical compensation in a no-fault state. The other driver will have bodily injury coverage, which is designed to cover the medical expenses that the victim has above their own policy limits. The responsible driver's bodily injury policy has its own limits to how much can be paid out, which are typically broken down into two parts when it comes to personal injuries. There is a limit on how much each person can receive in bodily injury compensation, and how much the insurance company will pay out for the entire accident.
You'll need a lawyer on your side to help maximize your compensation. Insurance providers do not want to pay out any more than they have to, and are going to fight you on how much to pay out regarding future medical bills. A lawyer will help ensure that you receive the compensation you deserve. Contact a no-fault insurance attorney for more information.Share
20 October 2021
When you get into a serious car accident, things can become complicated quickly. In addition to worrying about other lawyers and problems with your vehicle, you might also be left with serious injuries that keep you from enjoying your life. On top of everything else, you might be left with a huge stack of medical bills, and it can be hard to know what to do next. I want you to understand that there is hope, which is why this blog is all about hiring an attorney. By using this advice, you might be able to streamline your case and enjoy a larger settlement.