How Does a No-Fault Car Insurance Claim Work?

If you’re injured in an accident that is caused by the negligence of an additional motorist, and you reside within no-fault states, the process for submitting your insurance claim is more streamlined than within states which follow a fault base insurance system.

Instead of submitting the claim to a negligent motorist’s insurance provider, you submit the claim to your very own insurance provider. Then, your insurance provider will pay damages to you for all injuries suffered in your auto accident, irrespective of who legally was responsible for causing your auto accident.

The procedure is more direct and efficient. In submitting no-fault claims, you don’t need to be concerned with whether the provider will deny the claim because of a dispute with the cause of your auto accident. You don’t bear the trouble of proving to the other provider that the fault of the incident will lie with the additional motorist, not you.

However, the flip side is that within a no-fault claim, you are restricted in the types of compensation you’re able to collect. Whereby in a 3rd party insurance claim or a lawsuit against an at-fault motorist you may recover damages for “pain & suffering” on top of any reimbursement for lost income and medical bills, “pain & suffering” and additional “general” damages aren’t available with a no-fault auto insurance claim.

No-Fault Insurance Purpose
One purpose for such insurance includes reducing the monetary expenses related to long insurance claims, as well as litigation. Due to no-fault insurance vastly decreasing probable disputes about insurance claims, it’ll additionally substantially reduce the likelihood that the parties are going to resort to filing lawsuits in order to solve these disputes.

For more information contact The Law Offices of Robert T. Edens, P.C. at (855) 760-6746.

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