After a car accident, you’ll need to seek out compensation for the damages you’ve suffered, which could be severe. For most people, this means contacting your insurance company after the accident and reporting it, so that your insurance adjuster can calculate your claim’s worth.
But, you might have seen things like “no-fault” on your insurance claim, and now that you’ve had an accident, you need to know what that means for you. It can change the way your claim is handled, and it can affect how you’ll pursue your claim.
Unsure how to proceed? Get help with a no-fault accident claim, so that you know exactly what to expect after your car crash.
What Does “No-Fault” Mean?
First, what makes a “no-fault” state different from a “fault” state? This generally notes who’s responsible for the settlement costs after an accident: your insurance company or the other driver.
In no-fault states, your insurance company covers all the expenses, up to a certain amount. This means that it doesn’t matter who caused the accident. Even if you were mostly responsible for the accident, the insurance company should still offer you a settlement for your suffering.
In comparison, the fault system requires that the other driver’s insurance company reimburse yours, through a process called subrogation. Otherwise, they’ll have to take their claim to court and fight for the compensation they deserve when another driver hits them.
The no-fault system is meant to help you avoid this. Accident claims make up a large part of the claims seen daily, but the no-fault system reduces these, compensating you when you’d otherwise have to drag your case out in court.
The “Serious Injury” Threshold
Unfortunately, some injuries might cross the “serious injury” threshold, meaning you’ll need to do more to get the full compensation you deserve. This means that you can’t simply rely on your insurance company to provide your settlement, so you’ll need to prepare for a court claim if your injuries are severe.
Certain injuries are classified as “serious,” which means that they go beyond the typical costs of an injury. This includes death, serious impairment, or disfigurement.
So, let’s say you were in a car crash that paralyzed you from the waist down. Rather than relying on your insurance company to cover all the damages for your serious injury, you would instead file a claim against the other driver for the full compensation you deserve.
This means fighting for your claim when you’re suffering most. Your injuries are severe enough to qualify for a court claim, and you’re dealing with the mental and emotional trauma that comes with one of these injuries. While it may be more complex, however, you should receive the full compensation you deserve for your claim by fighting back.
Getting Help with Your Car Crash
Unfortunately, car accidents can be serious, and now you’re stuck dealing with the aftermath. It’s unfortunate, and it means that you’ll be dealing with a lot of pain and suffering because of your injuries. Fortunately, living in a no-fault state can help.
In many cases, you’ll simply need to file a claim with your insurer to get the compensation you need. When your injuries are too severe for this, however, you might need a lawyer on your side. They can fight for you and ensure you get the compensation you deserve.
If you were in an accident, be sure you know your rights as a resident of a no-fault state. You’ll need to be ready to get your settlement of protect your claim when you need it.