If you reside in any “no-fault” auto insurance state, you will be making a claim against your insurance company after the accident, irrespective of the fault.
Almost a dozen of states have “no-fault” auto insurance laws. No-fault auto insurance means your automobile insurer will reimburse all or some of your lost earnings and medical bills if you get in an auto accident, irrespective of who was responsible for the auto accident.
Every state law is diverse. In a few “no-fault” states, you can find a limit to all the benefits your automobile insurance agency will pay you out; in the others, there isn’t any limit.
A very imperative part of no-fault law is that, in a maximum no-fault state, you’re not allowed to make a claim for auto accident damages against the careless driver unless the medical bills reach certain value or your injuries are deemed satisfactorily serious. This limitation was placed in no-fault law as the way to try out to streamline auto accident claims, mainly smaller claims.
What is No-Fault Insurance Claims?
No-fault insurance claims, sometimes known as Personal Injury Protection claims, is the one you can make against your automobile insurer for payments of lost earnings and medical bills under your own state no-fault law.
The insurer will pay out your medical bills as well as will compensate you for a few of your lost earning up to the total amount of your claims or your own state no-fault limit, which is lower. A few states have two-part medical bills limit. In such states, if the injured person has a health insurance, the no-fault insurer will pay only a little amount of injured person medical bills, and health insurer will reimburse the rest.
Either way, after your medical bill exceeds your state no-fault limits, you are accountable for paying them. So, if you’ve health insurance, then your health insurer can pay your medical bill from that point. If you’re on Medicare or state running health insurance program via Medicaid, then those entities will reimburse the bills. And if you don’t have health insurance, Medicaid, or Medicare, then you’re responsible for working payment arrangement with your own health care provider.
You Should Cooperate With the Insurer in No-Fault Claims
Most of the states need insured people to cooperate together with their insurance agency in the no-fault claim. This means that the general rules for handling an insurance agency in an auto accident case should be disregarded. For instance, in most of the auto accident cases, you don’t want to provide a recorded report to defendant’s insurance agency.
But, in any no-fault claim, the state law usually needs you to help with your insurers. Your state no-fault laws might need you to provide your insurer recorded statement and generally will need you to attend the medical examination with physician chosen by a no-fault insurer. In case you fail to assist with the no-fault insurer, the carrier is usually entitled to end your no-fault benefit.
If you get in an auto accident in any no-fault state, as well as need legal advice on making a no-fault claim, then it may really make sense to get in touch with a knowledgeable and experienced auto accident attorney.
