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Help for the Pain


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Help for the Pain

A few years ago, one of my favorite people in the world, an elderly aunt of mine, fell down in a retail establishment. The floor at the business was wet and caused this special lady to fall. While she wasn’t seriously injured, she did hurt her leg. If the floor at this store hadn’t been wet or had been labeled as wet, she probably wouldn’t have been injured. If a similar situation has happened to you, consider contacting a reputable accident and personal injury attorney. This person can advise you about the possibility of bringing a lawsuit against the business where you were hurt at. On this blog, you will discover the benefits of consulting with an accident and personal injury lawyer after injuring yourself at a place of business.

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No-Fault Claims: What To Expect When Filing

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.