A Personal injury protection [PIP] claim is also known as a no-fault car insurance policy, which you make with your personal car insurer for compensation of lost earnings, medical bills and other damages, after a car crash. The major downside of no-fault schemes is you don’t get paid for the pain & suffering. It means, if you are injured in a car accident then your personal car insurance policy will pay all your relevant expenses even if the crash was due to negligence of the other driver. Downside of no-fault insurance coverage High hospital bills In some states, there are exceptions to the no-fault rule. If your injury is serious then the medical bills will exceed the state’s no-fault law. In such conditions, victims can file a third party liability claim against at-fault driver insisting compensation for all kinds of losses, even pain & suffering. If you suffered from minor injuries then you will not be qualified for 3rd party liability claims but you will be limited under your personal PIP coverage. Click here to learn more about no-fault insurance claim in Las Vegas. Car damages don’t get covered Property damage does not get covered because insurance is designed to pay lost wages and medical bills. For getting money to repair the car, you will need to file a claim against the at-fault driver’s liability coverage or apply for your personal collision coverage. Collision coverage claim procedures for car repairs are complex, so first discuss this with a car accident lawyer and then make a decision. No coverage on pain & suffering No-fault car insurance coverage does not compensate for the emotional stress due to the car crash. You can file a personal injury claim in case you meet the ‘injury threshold’. Each state’s definition of severe injury is different. The biggest amount of the final settlement comes from pain and suffering, so understand the severity of your injuries. Be cooperative with insurer in no-fault claim process No-fault insurance claims are only applicable for vehicle damage and physical injuries due to car collisions. Make sure that you cooperate with your insurance company. In no-fault claim, you will need to give your insurance provider a recorded statement and even agree to a medical examination by a doctor selected by your insurer. If you are stubborn and not cooperative than the insurer can get grounds to disapprove your claim. State laws require the claimant to cooperate with their insurance company. In case of no no-fault auto insurance States like Nevada has no no-fault auto insurance, so it adheres to the tort rules, which allow an injured party to sue the driver responsible for the car crash for compensation. The injured parties will even get medical bills paid by the at-fault driver’s insurer. The difference in a no-fault coverage is the insurers of parties involved don’t ask the victims who was responsible for the accident but pay benefits for the injuries and damages to their customers. Whereas in a no no-fault state, the at-fault driver’s insurer will compensate for the damages, injuries and even pain & suffering. |
