What You Should Know About No-Fault Insurance Claims
Posted on: 20 August 2020
Many states have no-fault auto insurance systems. These systems exist in a variety of states, including Florida, Minnesota, Utah, New York, New Jersey, and more. These states operate a bit differently than others when it comes to auto accidents. While you have the option to sue an at-fault driver in some states, others have restrictions on when you can do this.
Are you still confused about no-fault insurance claims? The answers to these questions can help you better understand no-fault insurance claims and your options.
What Does It Mean to Have No-Fault Insurance?
No-fault insurance means that your coverage will cover medical bills, lost wages, and more if you are injured in a car accident. The one thing this type of coverage does not provide for is pain and suffering, which are generally considered non-economic in nature.
When Can You File a No-Fault Insurance Claim?
You can file a personal injury protection claim to cover your damages after an accident. If you file this claim with your insurance, you may not be able to file a personal injury claim against the driver who caused the accident in the first place. An exception is often made if your medical bills are considered significant.
This means that in cases where you don't have severe injuries, a no-fault claim may be great. But if you experience broken bones, fractures, permanent disability, or disfigurement, you may choose to file suit against the other driver instead.
One more thing to remember: these no-fault claims only apply to your medical injuries caused by a vehicle accident. They do not cover damage to your car or other property. In these cases, you can still sue the at-fault driver for the damages.
What Should You Do Next?
Things change when you file a no-fault claim. You may not need to speak with the other party's insurance company, and you should never do so without speaking to an attorney about your claim first. You may need to cooperate, which could include giving a recorded statement and seeing a doctor for a medical exam. Cooperation is required, but it is still wise to speak with a professional before you go along with anything.
It is very important that you talk with an attorney before you make any decisions about your claim. Accidents in these states can be difficult to understand. Make an appointment with a no-fault insurance attorney today to discuss your case.
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