Skilled Motorcycle Injury Lawyer Explains No-Fault Insurance Issues
When a driver has been in an accident, no-fault insurance allows the driver to collect from his or her insurance company no matter who was at fault. Not every state has a no-fault insurance structure, but those that do have very specific laws governing when, how much, and for how long, the injured party may collect. These are complex laws that require the sound legal guidance of an experienced personal injury lawyer.
Contact Proner & Proner, to schedule a consultation with a personal injury attorney who has significant experience representing people injured in motorcycle accidents throughout the United States. We are knowledgeable about no-fault laws in every state in the country, and Washington DC. We invite you to call us to discuss how your state views the issue of fault and to determine how the laws may affect your right to recover damages for injuries.
How No-Fault Insurance Works
No-fault insurance is a system in which auto insurance pays benefits to the insured driver in case of an accident. The insurance compensates the insured driver for monetary losses, no matter who was at fault. This is contrary to systems in which the at-fault driver’s insurance company must pay the bulk of the compensation after an investigation and determination of fault by the insurance companies or the courts.
The system is designed to streamline the process of payments to injured people and to lower the burden on the courts. Under the no-fault insurance system, it can be more difficult to sue an at-fault driver for damages; the insured typically must have been quite seriously injured in order to take such legal action. On the other hand, monetary recovery for the insured is more certain under no-fault insurance because the compensation is immediately available through the insurance policy of the injured party. No-fault insurance policies often have a cap on the compensation they will pay.
The no-fault insurance system prevents injured parties from receiving a windfall due to the accident, but it also ensures compensation no matter who caused the accident. In a no-fault state, the other driver will also receive compensation from his or her insurance company if that driver sustained certain economic losses. The specifics of no-fault insurance laws vary widely by state.
What You Need to Know about Personal Injury Protection (PIP)
If you have a no-fault insurance policy, it is probably called a personal injury protection (PIP) package. PIP insurance pays for the medical expenses of the insured driver and the passengers who were injured in an auto accident. PIP insurance typically covers things like medical bills, wage loss and funeral expenses, but not pain and suffering or vehicle damage. This varies by state and particular insurance policy. The PIP packages have limits on what they will pay.
Contact a Personal Injury Attorney with Experience Fighting for the Rights of Motorcycle Accident Victims throughout the US
How you handle the situation after an accident can make a significant difference in your monetary recovery. Dealing with insurance companies can be especially tricky. In addition, the no-fault and fault insurance systems vary widely by state. Speaking with a personal injury lawyer from Proner & Proner will help to clear up the confusion these systems can cause.
Contact our offices today for a free consultation about your case. No law firm will fight harder to get you the maximum compensation you deserve after being injured or losing a loved one in a crash.