Auto / Car Accidents I Frequently Asked Questions

Choice No-Fault

Some states, such as Pennsylvania and New Jersey have a choice no-fault insurance system.  Under this system, drivers choose whether they want to be insured under a no-fault plan or whether they want to keep some of the standard responsibility rights to sue under a modified no-fault plan.  If drivers choose the no-fault plan, they cannot sue other drivers for non-economic damages, but they also cannot be sued.  If drivers choose the modified no-fault plan, then they can sue other drivers, but they can be sued as well.  A personal injury lawyer experienced in no-fault insurance motor vehicle accidents can help you sort through these complicated issues, whether or not you are in a no-fault state.

A No-Fault Insurance Policy

If you are insured in a no-fault state, that part of your motor vehicle insurance is usually called Personal Injury Protection.  The items covered under a Personal Injury Protection package varies from state to state, but generally, compensation is available for most costs related to an injury, including medical costs, lost wages, loss of services, funeral expenses, and death benefits.  Other types of compensation are usually not covered by no-fault insurance, including pain and suffering, emotional distress, and inconvenience.  Additionally, medical expenses or lost income above established maximum is usually not covered.  Other insurance may be needed to cover physical damage to vehicles.
 
No-Fault Insurance Conclusion

A one-hundred percent no-fault insurance system may simplify compensation for motor vehicle accident injuries, although no states currently have 100% no-fault systems.  Instead, no-fault systems vary greatly from state to state and these systems can be very confusing.  An experienced personal injury lawyer can help you make decisions in order to get the appropriate amount of compensation.

DISCLAIMER: The information you obtain at our firm web site is not, nor is it intended to be, legal advice. It is recommended that you should consult an attorney for individual advice regarding your own situation.