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Do You Need a Lawyer if You are in a No-Fault State?

If you have a crash in a no-fault state, it can be a comforting thought that your higher insurance commitment will allow you to claim compensation easier than if you were in an at-fault state, where you would have to prove that any injuries you received were due to another driver’s negligence.

However, there are circumstances in which you may still prefer to opt for a personal injury claim against the other driver’s insurance policy rather than your own. This is often permitted if your injuries were particularly severe or are likely to be permanent or long lasting. In important situations like this, you may find that a personal injury lawyer would be very helpful.

Damages You May Receive After a Crash

The priorities for compensation after any vehicle crash are medical costs and lost earnings, as well as the cost of repairing or replacing your vehicle and any other property damaged in the crash. These are standard components of an insurance claim after a crash.

The advantage of insurance in a no-fault state is that compensation should be paid whatever the circumstances. For example, even if the accident was partly your fault you should still be able to claim compensation from your own insurance provider, whereas in other states this may be difficult or even impossible.

Other damages that may be awarded include pain and suffering payments, although there may be lower caps on these in a no-fault state insurance package.

Do You Need a Lawyer if You are in a No-Fault State?

In the event of a particularly serious injury when you believe that you have proof of the other driver’s negligence, you may be permitted to sue the other driver rather than claim against your own policy. A successful personal injury claim typically involves a higher compensation settlement awarded. You may need this if medical costs are exceptional and you face a long period of recovery and your own insurance cover is inadequate.

Why Consider a Lawyer?

Normally, a no-fault insurance claim should be relatively straightforward. You do not have to show proof of negligence, which is a big bonus and relieves you of the headache of collecting sufficient evidence which proves that you were not to blame. It would be unlikely that you would need a lawyer’s help unless your own insurance provider becomes obstructive.

In the event that you are very seriously injured, you should contact a personal injury lawyer to discuss your legal options. The lawyer can help you decide whether to pursue a personal injury claim against the other driver or whoever was at fault. This is a much more complicated and lengthier process, and you will find a lawyer’s experience and legal help invaluable.

Work With a PI Lawyer Today

Most PI lawyers provide free consultations if you are considering a personal injury claim. They also generally work on a contingency fee basis, which means that there is no need to pay any up-front fees. Legal fees are waived until a successful outcome is achieved on your behalf.

Feel free to complete our free evaluation form below if you wish to find a suitable lawyer in your area.

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