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Auto insurance is not the same in all fifty states. About a dozen states have "no-fault" insurance systems. No-fault insurance systems can be a little confusing if you come from the vast majority of states where when it comes to getting paid for damages after an auto accident, it is all about who is at fault.
#1 No Fault = Personal Injury Protection
When it comes to actually looking at your insurance policy, no fault insurance is actually covered under the personal injury protection section of your insurance policy. When you get into an auto accident, and you are injured, instead of going after the other's driver's insurance policy to cover your medical bills, your insurance picks up the slack. Your insurance will cover your medical bills and lost earnings up to a certain limit. The limit depends upon the type of personal injury protection and the exact laws of your state. In some states, the required level of personal injury protection is lower than in other states.
#2 Corporate With Your Insurance Provider
In no-fault states, you need to work together with your insurance providers. Often, you are required by law to give your insurance provider a written or oral statement of what lead to the accident. In some states, you may be required to get treatment from a doctor who is approved by your insurance provider. You generally are required to do these things in order to have your insurance provider pay for your claim. Failing to give a statement to your insurance company, or see an approved doctor, can result in your claim being denied.
#2 Personal Injury Lawsuits Are Still Possible
Personal injury lawsuits following a car accident are still possible in no-fault states, there is just a higher threshold before you are allowed to file a personal injury lawsuit. In most no-fault states, you have to experience a significant disfigurement or limitation to your body, permanent disfigurement, or been placed on disability for a specific number of days before you are allowed to file a personal injury lawsuit. You have to meet these specific requirements before you are allowed to move forward with a personal injury lawsuit. The bar is set higher for personal injury lawsuits in order to unclog the court system from the numerous, smaller personal injury lawsuits that can clog up the system.
In no-fault states, your no-fault coverage is actually provided by your personal injury protection coverage on your auto insurance policy. You have to work with your auto insurance company after an accident, and they will pay your medical bills. You can only sue the other party if you suffered serious injuries that meet specific criteria. To better understand how no-fault auto insurance systems work, talk with your insurance agent.
Share29 December 2018
