No-fault insurance is a form of car insurance that provides coverage for injuries sustained in an accident. It’s different from fault-based policies, which require claimants to prove their case against the offending party before they can claim any compensation for their medical bills or lost wages.
Does my state have no-fault car insurance?
No-fault car insurance is not mandatory in all states. On average, about 60% percent of Canadians have some form of no fault coverage on their policy today—so chances are good that if you may have it.
Working process of no-fault car accident claim
The process is different in each state, but there are some commonalities. Here’s what you can expect:
Your first step is to notify the other driver and their insurance company that you’re making a claim. You’ll need to provide your name and contact information, as well as the date of the accident, location of impact and vehicle make/model/year etc., but not much more than that—no medical info necessary!
If your injuries are minor enough (no broken bones or anything), it may be possible for them to settle out of court without going through an attorney at all.
What is “PIP”? Do You need it?
Personal injury protection (PIP) is a part of your auto insurance policy that covers medical bills, lost wages, and funeral expenses in the event of an accident. PIP can be purchased in most states, but it’s not required in all states or jurisdictions.
In some cases where there are no injuries due to fault (such as cutting someone off), PIP might cover some or all costs associated with minor repairs such as replacing windshields or tires due simply being bumped into by another vehicle during an accident — but not needing any repair work done at all!
No-fault accidents and lawsuits
No-fault insurance is not the same as no-fault accidents. A no-fault accident means that your car was involved in an accident, whether or not it was your fault. If you have been injured in a crash and receive medical attention for your injuries, your insurer will pay for these costs out of pocket. Your policy may also cover lost wages if you are unable to work because of an injury sustained during the crash (though this is rare).
These are the basics of no-fault car insurance. Personal injury lawyer in Lindsay will cover how a state-sponsored no-fault system works, as well as some of the laws that govern these systems and how they apply to you. If you want more information on your state’s no-fault laws or want help with filing an injury claim, contact the best lawyer in your area.