Help for the Pain

Typically, accident victims can legally file a claim for compensation against the individual who is primarily responsible, or at fault, for the collision. However, if you happen to live in a no-fault state, this pathway is not an option. In these states, no person is deemed to be the at-fault party, even when negligence is to blame. Instead, both parties are responsible for their damages and are compensated by what is known as a no-fault claim.

Medical Documentation Still Matters

If the accident you were involved in resulted in physical injuries, you must visit the doctor. No-fault claims are submitted to each person's insurance company, but just because you are a policyholder, that does not mean the insurance company will automatically take your word. You must submit medical documentation along with your claim to prove your injuries, treatment, and other needs. 

Not only is the initial submission of these records necessary to begin the claims process, but you will be asked to provide ongoing records. Keep in mind that if you are missing appointments or not following the physician's instructions, this information will be passed on to the insurance company and could be used against you.

Policy Limits Can Limit Compensation

Similar to other coverage features, policy owners can determine how much coverage they want. As a result, a person can choose a policy on the low or high end of no-fault value. No matter where you fall on the scale, the amount of your coverage will determine the amount of compensation you can seek. 

For this reason, you must know where you stand. If you do not and you submit a claim with a value that is greater than your policy limit, you could find yourself in an unfortunate situation. 

Legal Policy Regulates the Process 

With the no-fault claims process, it can feel like you are 100% at the mercy of the insurance company, but this is not the case. State law mandates how these claims must be handled, and insurance companies are bound by these guidelines. Additionally, even with a no-fault claim, you can still seek the counsel of an attorney. 

Whether you need assistance with submitting the claim or you have concerns about the value of your claim exceeding the value of your policy, an attorney can provide you with information on how to handle these situations. 

Again, you can still benefit from legal advice during the claims process. Be sure to contact a legal professional for assistance should you need to.