In most states – if not all of them – drivers must carry auto insurance in case of accidents. Even small repairs on vehicles after accidents can be expensive, and insurance is designed to cover us when we cannot afford these costs. Some states require drivers to carry no-fault insurance. Under these kinds of insurance policies, drivers must file a claim with their own insurance instead of going after the other driver’s insurance. However, drivers with no-fault insurance do not have to prove fault to get a payout.
Going through no-fault insurance is often required after car accidents in states where this kind of insurance is mandatory. Unfortunately, no-fault insurance generally covers only certain damages. No-fault insurance requirements often make it difficult to file a personal injury lawsuit if your insurance fails to meet all your needs. In many states, drivers must meet certain criteria before they are allowed to file a lawsuit. Injured drivers should hire qualified personal injury lawyer with experience handling car accident cases if they wish to pursue a personal injury lawsuit.
How Do No-Fault Laws Work After a Car Accident?
Ordinarily, drivers who live in no-fault insurance states may be required to go through their own insurance rather than pursuing the other driver for damages. It is important to check with a car accident attorney in your area about the specific requirements of your state. Some states require you to file a claim with your insurance first, while other states are more flexible.