There are several states that have “No-Fault” car insurance laws. In no-fault states, the insurance company of the individual, not the responsible party, covers all of the medical expenses for an injury received in an accident. No-fault policies cover the individual if they were in a vehicle or a pedestrian when the accident occurred.
A no-fault policy has many limitations, however, and individuals that are involved in an accident may find that their ability to get compensation for their losses is limited. This does not apply when it comes to trucking accidents. Even with a no-fault policy in ace, the victim of a trucking accident can seek full compensation from the insurance policy of the trucking company.
No-fault insurance laws are overly complex. They are designed this way to discourage people from making claims. In most cases, without the help of an attorney, accident victims lose out on many of the benefits that they are entitled to receive for their accident.
Additionally, when a no-fault claim involves a trucking accident, the injured party will need the guidance of a truck accident attorney to help them make a claim against the responsible party for the accident. Commercial vehicles often have several policies covering the truck at one time. Fault must be established by the party, making a claim so that the right insurance company is used for compensation.
Will Your No-Fault Policy Cover Your Medical Expenses?
To determine if you can make a claim for your medical expenses against your no-fault insurance policy, your lawyer will need to address the following:
- Who owns the vehicle and was the owner driving the vehicle when the accident occurred?
- What state is the vehicle insured in? What state did the accident occur in?
- Was the injured party a pedestrian?
- Was a commercial vehicle involved?
- Is the injured party the main policy holder or are they covered under a family policy?
- What are the terms of the policy regarding this type of event?
- Did the accident occur while you were performing a work-related duty? If so, should this be a worker’s compensation claim?
Additional issues may need to be addressed based on the facts of your case and the terms of your insurance policy.
Consult With A Trucking Accident Attorney
Trucking accidents present many challenges for the victims in the smaller passenger vehicle. Injuries from these accidents are often life-altering. The medical expenses with these injuries are always high because many of these injuries need extended medical care.
Financial losses endured by the injury victims can also be extensive. Long recovery periods translate into long periods off of work. The loss of income and benefits can impact not only the injury victim but their family as well.
If long-term care is necessary, the expenses associated with the injury will continue to climb. Sadly, many insurers do not want to take all of these factors into account when they are coming up with a compensation offer.
When you have a truck accident lawyer handling your case, you will have the peace of mind knowing that your lawyer will protect your rights as a victim and get a fair compensation package from the insurers.
Your attorney will make sure that all of the available benefits from the no-fault policy are given to the injured party and that all avenues of compensation from the commercial vehicle insurers have been exhausted. Knowing that your attorneys are handling all of these issues on your behalf will give you the opportunity to concentrate on other aspects of your life.