What Is No-Fault Auto Insurance?

What Is No-Fault Auto Insurance?

Following a car accident, most people rely on the at-fault party’s insurance company to compensate them for their damages. However, in some states, they have to rely on their own insurance companies. This is how “no-fault” insurance states work; if you get injured, you have to turn to your own insurance company and seek compensation.

Another thing that you have to know about the no-fault auto insurance is that there are some exceptions. knowledgeable Los Angeles Car Accident Attorneys will help you understand the differences and how the whole process works. Call JML Law today and schedule a free consultation.

Listed below is everything you need to know about the no-fault auto insurance and how to obtain compensation following a car accident.

Filing a Claim is Similar

Just like with every other claim that you would file after getting involved in an accident, a no-fault car insurance claim is filed in a similar way. The only difference is that you have to file it with your own insurance company. Once approved, you will receive compensation for your damages. However, there are some exceptions. You cannot obtain compensation for your pain and suffering following the accident.

Other things to keep in mind are related to your personal injury claim against the at-fault party. You may think that you have the right to file a personal injury claim, but you may be wrong. In some states, your total medical bills would have to exceed a certain threshold (usually around $3,000) or you would have to have a broken bone (one or more) as a result of the accident to be eligible to file a personal injury claim against the at-fault driver.

Consult With Your Insurer

The essential part of the entire process is being in touch with your insurer 24/7. You have to talk to them and provide them with all the information they require. That also means that you must not do anything to put yourself or your insurer in a bad spot; do not speak with the other party’s insurance company representatives, and do not give a recorded statement. However, you should give your insurer a recorded statement and if asked, attend a medical examination with the physician selected by the insurance company.

Keep in mind that failing to cooperate with your insurer could result in a denied claim.

Legal Advice

After getting in an accident in a no-fault state, you should definitely consider and get legal advice. Without an attorney, you may be just running blind. You want to be set on the right path, and have someone with experience guide you through the process. If you have no attorney in mind, be sure to check in with Car Accident Attorneys in Los Angeles. One phone call and you will be offered to schedule a consultation with no legal obligations. Once attorneys assess your case, they will help you file a claim and help you secure and obtain the compensation for your damages.