No Fault Insurance: What It Is and How It Works
Understanding No Fault Insurance
No-fault insurance is a type of auto insurance that covers medical expenses and other damages resulting from a car accident, regardless of who was at fault for the collision. In the United States, there are currently twelve no-fault states, including Florida. If you are unsure if your state is a no-fault state, you can check a list of states that include no-fault insurance into auto policies.
If you are in a no-fault state and have been injured in a car accident, it is crucial to file a No-Fault application with your insurance company within 30 days of the accident. If you do not send this application within the given timeframe, they will deny any and all medical expenses. Even if you do not think you need medical treatment for the accident, it is always safe to fill out the application just in case. It can sometimes take weeks and even months before you notice any residuals form a car accident.
If you are in a state that is not a no-fault state, like North Carolina, medical expenses are either paid through med-pay or through third-party liability insurance. In these cases, the car accidents that happen have someone at fault. If you have been injured in a car accident in a non no-fault state, you can still file a claim with the at-fault driver’s insurance company.
In any case, if you have been injured in a car accident, it is essential to seek medical treatment as soon as possible. At Beyond Wellness Chiropractic Center, P.C., we specialize in treating injuries from car accidents and can help you file insurance claims for no-fault accidents. We have a no-wait policy, so you can get the care you need without taking up your time waiting. Call our Charlotte chiropractor today to schedule your appointment.
Here is a table of the current no-fault states in the US:
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.
Dr. Kevin Lyons