No-Fault Insurance: How Does It Work for Your Car Accident Claim?
Sixteen states in the United States follow a no-fault system. In no-fault states, accident victims must buy their own personal injury protection coverage. This insurance will compensate the victim for the losses they suffer because of someone else’s negligence.
The insurance company will play numerous tricks to delay or reject your claim. Without legal expertise, you run the risk of falling prey to these tricks. This is why you should seek legal assistance from seasoned car accident attorneys at the Atlanta Personal Injury Law Group or any other law firm.
Before getting assistance, it is important to know about no-fault insurance. In this blog post, we are going to focus on no-fault insurance and how it works.
What is No-Fault Insurance?
No-fault insurance is also known as personal injury protection (PIP). This car insurance policy is mandatory in no-fault states. No-fault insurance allows victims to get compensation for their medical bills and other losses from their own insurance coverage.
Some states follow no-fault laws. In no-fault states, you are expected to file a claim with your own insurer.
How Does No-Fault Insurance Work for Your Car Accident Claim?
Using no-fault insurance, you can recover compensation for your losses from your own insurance. The main objective of no-fault insurance is to avoid lengthy and expensive legal proceedings.
There are limitations to no-fault insurance. State laws require policyholders to be insured for a specific amount. This minimum coverage amount is also applicable to bodily injuries and property damage.
You are also required to abide by your insurance company’s rules to get compensation. This includes undergoing a comprehensive medical examination conducted by a physician of their choice. This examination will help in determining the severity of your injuries.
After reviewing your medical examination report, the insurance company will award compensation for your damages. You should cooperate with the insurance company to avoid claim denial.
No-fault insurance simplifies the car insurance claims process, enabling policyholders to get compensation promptly without prolonged disputes over fault.
In addition to no-fault insurance, victims can make a third-party insurance claim or a car accident claim. But this is only applicable if the victim meets the following criteria:
- The injuries are categorized as significant as per state laws
- The damages sustained by the victim are above a certain threshold
An experienced attorney will help you file a third-party insurance claim and a car accident lawsuit against the at-fault driver. By doing so, you can recover compensation from the at-fault driver’s insurance company.
Pain and suffering is a category of damages that cannot be recovered through no-fault insurance. In this scenario, you need to have strong evidence to prove the other party’s negligence and acquire fair compensation.
Final Thoughts
We hope our blog post has helped you understand no-fault insurance.
Buying no-fault insurance is essential, especially if you live in a no-fault state. One of the main reasons is that you don’t have to wait for compensation from the at-fault party’s insurance company. No-fault insurance allows victims to quickly get on the road to recovery.
Like third-party liability claims, no-fault insurance has its share of complications. Getting past these complications can be pretty difficult without legal assistance.
You should seek help from an experienced car accident attorney who will guide you through all the difficulties involved. They will help you recover compensation for your injuries and other losses from the car accident.
Your car accident compensation claim becomes a breeze with the right attorney by your side. If things don’t go well, the attorney can even push for a lawsuit. They will represent you in court and work hard to convince the judge and jury and get a favorable decision.