NO FAULT INSURANCE
What It Is & How It Works
Everything You Need To Know
Understanding
No Fault Insurance
No-fault insurance covers medical expenses and damages from car accidents, regardless of fault. Twelve U.S. states, including Florida, follow this system. To confirm if your state is no-fault, check your auto insurance policy or state guidelines.
In no-fault states, file a No-Fault application with your insurer within 30 days of the accident to avoid denial of medical expenses. Even if you feel fine, submitting the form is wise, as symptoms may appear weeks later.
In non-no-fault states, like North Carolina, medical costs are covered through med-pay or the at-fault driver’s insurance. You can file a claim with their insurer if injured.
At Beyond Wellness Chiropractic Center, P.C., we treat car accident injuries and assist with no-fault claims. With our no-wait policy, you’ll receive prompt care. Call our Charlotte office to book your appointment today!
Here is a table of the current no-fault states in the US:
| State | No-Fault Insurance |
|---|---|
| Florida | Yes |
| Hawaii | Yes |
| Kansas | Yes |
| Kentucky | Yes |
| Massachusetts | Yes |
| Michigan | Yes |
| Minnesota | Yes |
| New Jersey | Yes |
| New York | Yes |
| North Dakota | Yes |
| Oregon | Yes |
| Utah | Yes |
Remember, whether you are in a no-fault state or not, it is important to seek medical treatment and file insurance claims as soon as possible after a car accident.
Frequently Asked Questions
What does no-fault system mean in insurance?
In a no-fault insurance system, each party’s insurance company pays for their own medical expenses and damages, regardless of who caused the accident. This system is designed to reduce the number of lawsuits resulting from car accidents.
What states have no-fault auto insurance?
There are currently 12 states that have no-fault auto insurance laws. These states are Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Oregon, and Utah.
Does my No-fault claim cover me for treatment in North Carolina?
No, North Carolina is not a no-fault state. If you are injured in a car accident in North Carolina, you will need to file a claim with the at-fault driver’s insurance company or file a lawsuit against them.
Does no-fault insurance cover car damage?
No, no-fault insurance only covers medical expenses and lost wages resulting from a car accident. If you want coverage for car damage, you will need to purchase collision coverage.
What is the no-fault law in NY?
In New York, the no-fault law requires that each driver’s insurance company pay for their own medical expenses and lost wages resulting from a car accident, regardless of who caused the accident.
What is no fault insurance disadvantage?
One disadvantage of no-fault insurance is that it can lead to increased insurance premiums, as each driver’s insurance company is responsible for paying for their own medical expenses and lost wages. Additionally, no-fault insurance can limit a driver’s ability to sue for damages resulting from a car accident.
Is no-fault the same as liability?
No, no-fault insurance and liability insurance are not the same. Liability insurance covers damages that you cause to other people and their property in a car accident, while no-fault insurance covers your own medical expenses and lost wages resulting from a car accident.
How to file a no-fault insurance claim in New York and Florida?
To file a no-fault insurance claim in New York or Florida, you will need to contact your insurance company and provide them with information about the accident, including the date, time, and location of the accident, as well as the names and contact information of any witnesses.
What documents should I bring to the Chiropractor if I am using my no-fault coverage?
If you are using your no-fault coverage to pay for chiropractic treatment, you should bring your insurance information, including your policy number and the name of your insurance company, as well as any medical records or documentation related to your injury.