| No Fault States :Starting Car Insurance Claims |
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| Written by Asif L Shaikh |
| Thursday, 14 April 2011 15:49 |
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The main disadvantage of living in a no fault state is that if you're ever injured in a car accident, your insurance might not be enough to cover all of the medical costs. The reason is your no fault car insurance policy will only pay for your medical costs up to your policy limits. When you need more cash, you will want to start a personal injury claim.
The main disadvantage of living in a no fault state is that if you're ever injured in a car accident, your insurance might not be enough to cover all of the medical costs. The reason is your no fault car insurance policy will only pay for your medical costs up to your policy limits. When you need more cash, you will want to start a personal injury claim. Starting up Your Car Injury Claim Several of these no fault state's have some specific requirements before you can get moving your personal injury claims. As an example ,, some states will only let you file an injury claim if your injuries are thought to be "serious". These states have what is also known as an "injury threshold". Which means that if your specific injury really doesn't fall within the criteria of exactly what the state accepts as "serious", you will be unable to start up an injury claim and get back money for all your medical bills. So What's Considered as a "Severe" Injury? Every no fault state has a slightly different meaning of what is deemed a "serious" injury. Though, there are particular kinds of injuries that by and large fall under the "serious" category. For example: Bone fractures (ex: you've got a cracked or chipped bone in your arm or leg ) Permanent Injuries (ex: injuries to one's neck, spine or head). Disabling injuries: (ex: a back injury that gravely limits your movement ) Permanent disfigurement: (ex visible scars, broken nose, burn marks) The Best Way to Demonstrate Your Injuries are "Serious" In order to really show that your injuries are serious, you must know how your specific no fault state has specified a severe injury. Your no fault state is going to have a description of which groups of injuries it believes are severe and serious. You should review the description for your specific state. Since each state has a slightly different interpretation of a severe injury, your injuries may perhaps be considered severe in one state and not in another. Once you've reviewed the description, then you're able to decide if your injuries meet those requirements. Since the descriptions are typically interpreted in many ways, you should attempt to create an argument that supports your claim. This way you can start your auto insurance claim. Whether your interpretation is valid or invalid could be a question of negotiation with the insurance company. This is why it's very important that you understand the seriousness of your injuries and how to negotiate auto accident settlements. If your injuries have crossed the "injury threshold" you can then begin on understanding how to calculate your personal injury settlements DISCLAIMER: This article is provided as information only and is not to be taken as financial advice. Read more about car insurance claims and personal injuries |