No Fault Insurance State Laws
This article will discuss the no fault laws that apply in Pennsylvania and Philadelphia and how this affects you were auto accident claims and lawsuit.
If you have been involved in a car accident in Philadelphia, one of the first things you need to do is stop and ensure you and your passengers are not hurt, thereafter, if you can, check on the other driver involved in the accident and seek help from emergency services and the police. This is the basic and initial steps that drivers must take at the scene of an accident. Once this is out of the way you need to speak to your insurance company. In Pennsylvania and some eighteen other states, the use of no fault car insurance law is in place. This article will discuss the no fault laws that apply in Pennsylvania and Philadelphia and how this affects you were auto accident claims and lawsuit.
According to Wex Legal Dictionary a no fault state is, “a type of automobile insurance required of car owners by law in 19 states and the District of Columbia, in which the person’s injured in an accident are paid only basic damages, limited to certain categories of actual harm, by the company that insured the vehicle in which they were riding or by which they will hit.” Therefore, no fault insurance basically means that your own vehicle insurance company will pay some or all of your medical bills and lost earnings in the event that you are involved in a car accident whether you are or are not at fault for the accident. The no fault state system means that you are unable to hold another driver liable or at fault for the car accident unless your case rises to the level of the ‘serious injury’ threshold. Therefore, most minor accidents will fall into the no fault category. However, you may be able to step outside of the no fault system and file a liability claim against the at fault driver if you can successfully show that your case involves serious injuries.
A no fault insurance claim is one where you make a claim against your own vehicle insurance for the payment of medical bills and lost earnings under the state’s no fault law. No fault claims are also called a Personal Injury Protection claim or PIP claims. It is important that you cooperate with your insurance company in a no fault claim. This basically means that you may be required to give your insurance a recorded statement and further your insurer may require you to go for a medical examination with a physician of their choice and not your normal general practitioner. In the event that you fail to cooperate with your insurance, the insurance company may be entitled to terminate your no fault benefits. If you are involved in a car accident view this car accident lawyer in Philadelphia for advice and representation.
Note that in no fault states there is a cap on the amount that an insurance company will pay out for damages. If you feel that your injury rises to the level of the serious injury threshold, seek out a law firm of professionals in personal injury law.
If you want to find an injury lawyer in Philadelphia, the author of this article recommends the Kaplun Marx law firm.
If you have been involved in a car accident in Philadelphia, one of the first things you need to do is stop and ensure you and your passengers are not hurt, thereafter, if you can, check on the other driver involved in the accident and seek help from emergency services and the police. This is the basic and initial steps that drivers must take at the scene of an accident. Once this is out of the way you need to speak to your insurance company. In Pennsylvania and some eighteen other states, the use of no fault car insurance law is in place. This article will discuss the no fault laws that apply in Pennsylvania and Philadelphia and how this affects you were auto accident claims and lawsuit.
According to Wex Legal Dictionary a no fault state is, “a type of automobile insurance required of car owners by law in 19 states and the District of Columbia, in which the person’s injured in an accident are paid only basic damages, limited to certain categories of actual harm, by the company that insured the vehicle in which they were riding or by which they will hit.” Therefore, no fault insurance basically means that your own vehicle insurance company will pay some or all of your medical bills and lost earnings in the event that you are involved in a car accident whether you are or are not at fault for the accident. The no fault state system means that you are unable to hold another driver liable or at fault for the car accident unless your case rises to the level of the ‘serious injury’ threshold. Therefore, most minor accidents will fall into the no fault category. However, you may be able to step outside of the no fault system and file a liability claim against the at fault driver if you can successfully show that your case involves serious injuries.
A no fault insurance claim is one where you make a claim against your own vehicle insurance for the payment of medical bills and lost earnings under the state’s no fault law. No fault claims are also called a Personal Injury Protection claim or PIP claims. It is important that you cooperate with your insurance company in a no fault claim. This basically means that you may be required to give your insurance a recorded statement and further your insurer may require you to go for a medical examination with a physician of their choice and not your normal general practitioner. In the event that you fail to cooperate with your insurance, the insurance company may be entitled to terminate your no fault benefits. If you are involved in a car accident view this car accident lawyer in Philadelphia for advice and representation.
Note that in no fault states there is a cap on the amount that an insurance company will pay out for damages. If you feel that your injury rises to the level of the serious injury threshold, seek out a law firm of professionals in personal injury law.
If you want to find an injury lawyer in Philadelphia, the author of this article recommends the Kaplun Marx law firm.
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