When thinking about a car accident, the concept of “no fault” is a difficult one to grasp. Most people believe that when they are hurt in a car wreck the only option is to sue the at fault driver. But the idea of no fault claims is one that is married to insurance concepts, and the circumstances under which you can bring a lawsuit for injuries related to a car accident. Your basic rights to compensation include reimbursement for medical expenses, lost wages, and repair or replacement of your vehicle. Some of these expenses are ones that are covered by the no fault principles, and some fall outside of this type of coverage.
The insurance laws regarding what type of insurance is required are as follows:
- Personal injury protection insurance is required, as are provisions for liability and uninsured motorist coverage.
- The minimum amount of coverage for personal injury protection is $40,000.00, which is equally distributed for medical costs versus non-medical costs. The medical costs portion includes reimbursement for physician expenses and the non-medical portion includes reimbursement for things like lost wages.
- There are also minimum coverage requirements for liability and uninsured motorist coverage.
The no fault rules allow an injured person to seek compensation for injuries from their own carrier, and outside of that option a victim of an accident can look to the negligent driver to be made whole. This is done by making a claim for damages with the insurance provider for the negligent party, and could include the need to file a lawsuit which will put the matter before a Judge or jury for final determination. The benefit to being able to make a claim with your own company is that you do not have to prove who was at fault, but this option alone may not be the best approach for your case. It depends on the specific facts of your case, and how badly hurt you have been in the accident. To find out which course of action is best for you, call one of our experienced personal injury attorneys today.
If you have been in a car wreck or other accident, call our office to schedule an appointment today. Let an experienced attorney help you figure what is best for you. Call a Bloomington, Minnesota personal injury attorney today.