No-fault is somewhat of a confusing term when it comes to personal injury claims. The term seemingly implies that in the event of an accident, no party can be found responsible, so ultimately, the victim is liable for paying for losses. This definition is not exactly accurate. If you have been involved in an accident in a no-fault state, then there is a lot you need to know.
The no-fault claim process can be challenging to comprehend, but one positive thing that you need to keep in mind is this type of process can often be executed faster than traditional claims.
Unlike claims in fault states, instead of dealing with the negligent party's insurance company, you will instead settle the claim directly with your own insurance coverage by way of a personal injury protection claim. As a result of fewer involved parties, victims in no-fault claims typically have the luxury of getting their compensation faster.
Since you are dealing with your own insurance company, it would seem that they undoubtedly have your best interests in mind, yet this is not always the case. Insurance companies often aim to lower payouts as much as possible, even with claims involving their own policyholders.
For this reason, it is always a good idea to hire a no-fault attorney. In the same way that an attorney could represent you in a claim against another party or insurance company, a no-fault attorney can help defend you against an unfair insurance claims process so that you are able to maximize your payout to ensure your losses are covered.
Bypass the No-Fault Process
In states with this process, no-fault is the law of the land. However, it is helpful to remember that it is not the only option. Accident victims can also bypass the no-fault claims process. Typically, states with this law have a cap for these claims.
If the cost to repair the damaged property or to pay for medical expenses exceeds this threshold, then the victim has the right to bypass this process and file a traditional personal injury claim. Not only does the traditional claim process allow for greater compensation, but it can also be challenging, so a no-fault attorney is especially helpful for individuals in this situation.
If you have been involved in an accident in a no-fault state, then do not hesitate to contact a no-fault attorney for assistance.