Most people assume that a no fault car insurance policy covers all their injury damages, no matter who was liable for their accident. But nevertheless, it isn't really true. A no fault auto insurance policy is only to pay for your injuries up to your policy limit. Because of this you may have to pay off the remaining cost out of your own pocket. Taking into consideration the high price of medical procedures, this may be a costly problem for most of us.
Luckily, every no fault state will permit the car driver to be compensated for their injuries by starting an auto insurance claim.
However, before beginning your insurance claim, you are required to first meet your state's requirements.
Requirements to Begin With Car insurance Claims in No-Fault States
Almost every no fault state has slightly different requirements to start an auto accident injury claim. Some states will have a "cash threshold". Which indicates that for you to open a claim, the fee for taking care of your injuries have to go over a specific cash amount.
Other no fault states have an "injury threshold". Which means that you could start a personal injury claim as long as your injuries are "absolutely serious". Nearly every no fault state has a slightly different explanation what it considers a "severe" injury.
A lot of different states have both an injury and cash threshold. Which indicates that if you surpass one threshold, either the cash or injury, you could start your personal injury claim.
Example
Massachusetts is a no fault state that has both a cash and injury threshold. The cash threshold for Massachusetts is $500. It means that in order for you to file an insurance claim, your finished medical fees have got to be greater than $500. Or else you will need to pay for the charges through your own pocket.
To determine if you have reached your state's cash threshold, you need to total all your medical charges following your car accident. For instance:
*Ambulance Charges *Hospital Costs *Clinic Bill *Doctor's Visit Lab and Testing costs *Physical therapy
Since Massachusetts also has an injury threshold, it is very important have a look at what the state considers a "serious injury". Most no fault state's evaluate the following injuries as being "serious":
*Injuries which can be long-lasting or result in serious disfigurement *Fractured bones *Injuries that cause considerable loss of hearing or eye sight
If your injuries fall as part of your state's "serious" category, you'll be able to start your insurance claim to receive your personal injury settlements.
Luckily, every no fault state will permit the car driver to be compensated for their injuries by starting an auto insurance claim.
However, before beginning your insurance claim, you are required to first meet your state's requirements.
Requirements to Begin With Car insurance Claims in No-Fault States
Almost every no fault state has slightly different requirements to start an auto accident injury claim. Some states will have a "cash threshold". Which indicates that for you to open a claim, the fee for taking care of your injuries have to go over a specific cash amount.
Other no fault states have an "injury threshold". Which means that you could start a personal injury claim as long as your injuries are "absolutely serious". Nearly every no fault state has a slightly different explanation what it considers a "severe" injury.
A lot of different states have both an injury and cash threshold. Which indicates that if you surpass one threshold, either the cash or injury, you could start your personal injury claim.
Example
Massachusetts is a no fault state that has both a cash and injury threshold. The cash threshold for Massachusetts is $500. It means that in order for you to file an insurance claim, your finished medical fees have got to be greater than $500. Or else you will need to pay for the charges through your own pocket.
To determine if you have reached your state's cash threshold, you need to total all your medical charges following your car accident. For instance:
*Ambulance Charges *Hospital Costs *Clinic Bill *Doctor's Visit Lab and Testing costs *Physical therapy
Since Massachusetts also has an injury threshold, it is very important have a look at what the state considers a "serious injury". Most no fault state's evaluate the following injuries as being "serious":
*Injuries which can be long-lasting or result in serious disfigurement *Fractured bones *Injuries that cause considerable loss of hearing or eye sight
If your injuries fall as part of your state's "serious" category, you'll be able to start your insurance claim to receive your personal injury settlements.
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