There are six million car accidents every year in the United States. If you’ve been in a car accident, you’re not alone, but you’re going to want to know what your options are moving forward.
You may have heard of no fault car accidents. If you’re not sure what they are, you’re not alone in that either. The U.S. legal system and insurance companies have made car accidents tough to understand.
This article will walk you through your legal options with car accidents, and explain to you the legal concept of fault.
No Fault Car Accidents
Whether or not your car accident is no-fault completely depends on the state that it occurs in. Something that’s important to tell yourself is “even if the car accident was my fault, it can still be a no-fault case.”
A no-fault car accident is a car accident that occurs in a no-fault state. In some states, the person who’s at fault in the car accident (or their insurance) is responsible for paying the medical expenses. In no-fault states, fault does not matter, and if a driver has personal injury protection insurance, the insurance company will pay for medical expenses.
If you’re wondering what to do when a car accident is your fault, this should come as a bit of respite. However, it’s also important to know that even in no-fault states, car damages are still paid on an at-fault basis. It’s also important to tell yourself “if the car accident wasn’t my fault, the other driver may still have to cover some of my expenses.”
Make sure you know if you’re state uses no-fault insurance.
As you can see above, the idea of legal fault is largely dependent on the state legislature and insurance companies. However, if you’ve received an injury in a car accident, and you meet certain requirements, you’re still able to file a lawsuit against the driver who injured you.
One of the requirements is that the accident caused a significant injury. A significant injury is defined differently in different states. Some define it as loosely as an injury that resulted in sixty days disability, and others define it as strictly as a permanent injury.
The other requirement is that the injury caused a certain amount of money in medical expenses. These can range from 1,000 to 3,000 dollars.
If you or a loved one is wondering whether or not your case can be resolved in a lawsuit, you should seek legal help immediately. You’ll want to want to find yourself a specialized car accident lawyer, such as The Law Office of Scott D. DeSalvo, LLC.
Understand Your Accident
Plenty of car accidents happen in the U.S. every day. The process will be much smoother and less painful if you understand how the systems around car accidents work.
Now that you understand no fault car accidents and some legal options, you can proceed in an informed way.
For more legal articles, check out our blog.