How does no fault insurance differ from other car insurances?
Who is liable for damages is one of the main distinctions between No fault/PIP coverage and other forms of auto insurance. Liability insurance, for instance, only pays claims when someone is to blame for an accident. Whether you are at fault for the claim or not, PIP is usually covered.
Therefore, PIP can assist in covering your passenger’s medical expenses if you rear-end another vehicle and they become hurt. If someone rear-ends your car and hurts you, PIP will also assist in covering the cost of your medical care.
When you are hurt in an automobile accident, you normally have the option of bringing a claim for compensation against the at-fault driver—typically through that driver’s insurance company—under the “fault” or “liability”-based car insurance systems in place in most jurisdictions. In that case, you often need to persuade the other driver’s insurance company that its own insured was at fault for the automobile accident as part of the “third party claim” procedure. To learn more about your legal rights, kindly see an attorney!
Police reports, witness testimonies, photographs, and other types of automobile accident evidence can all be used to prove fault, which can be a time-consuming and difficult process. Even after doing all of that, the other driver’s insurance provider can still dispute the claim, forcing you to go to court. Once more, find out your legal rights by seeing a lawyer.
Regardless of who was at fault for the collision, your personal no-fault insurance typically covers your injuries from an automobile accident; but, it may still be feasible to file a lawsuit against the at-fault motorist.