Who Pays What After A Car Accident?
When you attempting to determine who pays what after a car accident, there are many different factors that you must consider. The question of who will pay the doctor bills, damages to the vehicle, etc will be determined by the state in which the car accident occurred.
If you are not sure about the laws in your state, it is suggested you speak with a car accident attorney who will be able to help you understand more about the law in your state. They will also help you understand what you can do to get more car accident compensation.
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Most states in America are fault states. This means insurance companies are made to pay according to the parties degree of fault. If you and the company that you are insured by do not agree on damages, you may have to go to court and fight for the money that is rightfully yours.
There are just 12 no-fault states. In no-fault states, the good driver does not have to prove the accident was someone else’s fault before getting their money. The insurance company is entitled to pick up medical bills, rehabilitation costs and lost wages, but only up to the amount of coverage which was purchased. The only thing is, this person will not be able to sue the other person in the accident even if they were at fault. If you are in a no-fault state, and wish to find out more about what is in your policy, you can look into the PIP or Personal Injury Protection. This will be listed in your car insurance policy.
The 12 No-Fault States In Alphabetical Order:
Florida
Hawaii
Kansas
Kentucky
Massachusetts
Michigan
Minnesota
New Jersey
New York
North Dakota
Pennsylvania
Utah
The no-fault part of the law only applies to injuries. Physical damage to your car or the contents in the car can be fought over by taking the guilty party to court, or you could find out if your own car insurance company will pay. This is only if you have collision insurance.
Exceptions To The No-Fault Rule
There are some exceptions to the no-fault rules in those states like if the injuries were very bad, lasted for a certain period of time or if they totaled over a certain amount of money.
It is always best to speak with a car accident attorney and find out what amount of money you could get out of an auto accident settlement.
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