A no-fault insurance policy is a type of coverage (or add-on) which can compensate a driver who has been injured as a result of an accident. No-fault means that the driver gets to collect monetary compensation from the insurance company regardless of who is at fault.
Not all states entertain this type of insurance structure. However, those that do put limitations as to how much an injured party may collect and for how long. A car accident attorney states that the role of this type of insurance plays is to make it easy for financial settlements to occur and to avoid court proceedings altogether. A No-fault insurance provides relatively quick payments for injuries. The problem, however, is that this type of settlement is usually not sufficient. The at-fault party not seriously punished.
It is common for a car accident attorney to receive inquiries regarding incidents covered by this type of insurance. Injured parties sometimes find it difficult to obtain sufficient monetary settlement since companies often put a cap or ceiling on the amount of monies paid out. In general, a driver or motorist insured by a no-fault coverage does not have any legal recourse against the at-fault party. Part of this insurance policy's objectives is to minimize lawsuits emerging from accidents that involve an uninsured party.
Should this be the case, a car accident attorney can help a claimant file for compensation. Most scenarios do not end up in court, as most at-fault parties choose to settle outside rather than pursue legal action.
Personal injury protection (PIP) on the other hand, is an extension of the no-fault insurance coverage that pays for the medical expenses incurred by the injured driver as well as other people involved in the accident. This may include affected by-standers, pedestrians or passersby and passengers of the vehicles involved. PIP may also cover for damages and lost wages. This still varies on the jurisdiction on the area. States that are not governed by PIP systems may use auto medical payments (AMP) coverage instead. According to a motorcycle accident lawyer, some states acknowledge both PIP and AMP systems. There are currently sixteen states with mandatory PIP coverage.
Emotional and psychological damages, though intangible, are common effects of a car accident. These are some concerns not governed by no-fault insurance. A legal professional such as an attorney specializing in personal injury can help people get back what they rightfully deserve.
A car accident lawyer can easily educate a claimant on what chances he or she may have in pursuing a lawsuit against an at-fault party. If a lawyer deems the case to be solid, it may be then taken up to court. More often than not, the court will act as a middleman between the claimant and the at-fault party or their representative insurance company. The priority of these lawyers is to obtain compensation for the injured driver, no matter how challenging the circumstances.
It is far common that involved parties settle with voluntary compensation. Litigation is an additional burden that may take a while to progress. If the employed attorney has years of experience and has proven track record, it is not unusual to anticipate a favorable outcome.
Amie Sutton is a Law student performing a study regarding personal injuries, car accident attorney and motorcycle accident lawyer along with the many circumstances that will warrant their service.
Article Source: https://EzineArticles.com/expert/Amie_Sutton/1226892
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