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What Are My Options After a Car Accident in a No-Fault State?

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According to the National Highway Traffic Safety Administration police departments handled an estimated 6738,000 traffic crashes in 2018. That is one crash for every 48 people in the United States. So, if you haven’t yet been in an auto accident, the odds are at some point you will.

How Does Insurance Work in a No-Fault State?

In most states when someone has a car accident the driver who is at fault is responsible for paying for the damages and injuries. In most cases, this payment comes from the insurance company after a claim is filed. However, twelve states and Puerto Rico have “no-fault” laws. No-fault means that the injured person’s own car insurance coverage, regardless of who caused the accident, pays for the medical expenses.   Each driver will file a claim with their own insurance company.  This is a first-party claim.

No-Fault States/Territories:

What is Personal Injury Protection Insurance (PIP)?

In true no-fault states, drivers must carry Personal Injury Protection or PIP coverage. This coverage pays for the medical costs sustained by the driver and passengers regardless of fault. States with a no-fault system require PIP coverage in addition to collision insurance. However, PIP is optional in Washington, DC. Car insurance companies in these areas generally have higher car insurance rates because of this additional personal injury protection coverage.

Can I Sue After an Auto Accident in a No-Fault State?

Unlike a tort liability state, no-fault policy states limit personal injury lawsuits from auto accidents. However, there are times when accident victims can file a car accident lawsuit. These lawsuits can make the at-fault driver pay for things like a significant and permanent loss. These exceptions to limits on liability center on the severity of injury or damage called thresholds. These thresholds can be verbal or monetary. In a verbal threshold, one must meet the definition of various types of injuries or damage as defined by the state. In a monetary threshold, there is a dollar amount in medical costs or property damage that must be met or exceeded. In these instances where the threshold has been met, the at-fault driver may be sued for things like pain and suffering. Talk to an experienced car accident attorney to understand your legal options.

What to Do After an Accident in a No-Fault State

After any accident, your safety is the number one priority. If able to do so, move to a safe location and contact police andtaking picture of accident scene emergency medical services if needed. It is important that you do not admit fault to the other driver or emergency services that arrive. If you are able, document the scene with your camera. Try to gather photographs of your car, the other involved car, and the surrounding area. This may help your attorney in proving fault. When possible, ensure you are capturing the license plates in the photographs.

Due to the complications associated with no-fault states you should contact the attorneys of Regan Zambri Long PLLC as soon as possible. Our experienced car accident lawyers can help guide you through the process of recovering compensation for the damages you suffered.

The Costs of Car Accidents in No-Fault States

The expenses that result from a car accident can add up quickly. National Highway Traffic Administration Report the economic cost of traffic accidents is $150 billion annually. Some of these costs include:

This figure does not include pain and suffering, which can be significant after a car crash. There is no dollar figure one can put on missing important family events or suffering from pain every day. For this reason it is important to speak with the skilled car accident attorneys at Regan Zambri Long PLLC. They can help you navigate through the complicated process of recovering damages in “no-fault” state traffic accidents.

Navigating No-Fault Systems After an Auto Accident

Unfortunately, not all car accidents are preventable. In those instances, especially when handling no-fault insurance, be sure to contact the car accident attorneys at Regan Zambri Long PLLC. Regan Zambri Long PLLC’s lawyers have over 100 years of combined experience and have recovered over $650 million dollars for their clients. Let Regan Zambri Long PLLC help you seek compensation for your accident in a no-fault state so you can focus on what matters: returning to normal.

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Have you or your loved one sustained injuries in Washington DC, Maryland or Virginia? Regan Zambri Long PLLC has the best lawyers in the country to analyze your case and answer the questions you may have.

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