You may wonder what the difficulties of getting a deserved compensation in a no-fault state are. To ensure that families get fair and proper compensation, it is essential that people can explore all of their options, including workers’ compensation and personal injury. This blog post will discuss a no-fault state and some of the difficulties of getting a deserved compensation in a no-fault state.
What Is A No-Fault State?
No-fault states are places where people do not have to prove that their injuries were caused by someone else to receive compensation for medical expenses, lost wages, and pain and suffering. No-fault states are typically divided into two types: contributory and non-contributory. Contributory states require you to prove that someone else’s negligence caused your injury, while non-contributory states allow you to claim compensation without requiring proof of negligence.
Here are five difficulties of getting a deserved compensation in a no-fault state:
1. Not All Injuries Are Covered
No fault in terms of insurance means that you will not need to seek compensation from another party. However, no-fault states only cover a certain number of injuries such as medical expenses, lost wages, and property damage. If you were “at fault” in an accident, then you will probably sue them for pain and suffering, which is not covered under No-fault Insurance.
Sometimes, you might be confused about whether you are eligible for compensation. It is essential to approach a lawyer to get clarification. Only reputed law firms like Scott C. Gottlieb Injury Law Attorney can help you. Always consult with a local lawyer who has an exceptional reputation.
2. No Compensation For Emotional Trauma
You will not be able to collect insurance money or compensation if you have been involved in an accident in a no-fault state. Because of this, you are now suffering from anxiety, depression, post-traumatic stress disorder, or anything else that can prevent you from working. If you are fixed with physical injuries, you may suffer severe injuries, but this may not be the case if the accident is felt as devastating to your mental health.
3. No Compensation For Parents Who Are Not Injured
Parents who do not suffer any injuries from a car accident will not be able to get any compensation if their children are injured. If a child is injured in an accident, the parent may get some money for medical bills and other expenses, but this can vary depending on how many children there are in the household and their income.
4. No Compensation For Property Damage
Property damage will also not be compensated with no-fault insurance, as seen in places with this insurance coverage. This is a big factor for all insurers, victims, and legal teams involved.
5. No Compensation For Liability Coverage
If you have a no-fault policy, then you will not receive compensation if you are sued by someone else because of an accident. This is because your insurance company will have to pay the other person’s medical expenses and any damages they have suffered. The only way to protect yourself from this is by purchasing additional liability coverage (which can be expensive) or having a “full-coverage” insurance policy which means that the first $30,000 of property damage is covered regardless of fault.
Suppose you are looking to seek compensation and find out what the difficulties of getting deserved compensation in a no-fault state are. In that case, it would help to speak with an experienced attorney before claiming your rights.
New York is a busy state. Many cities in NY attracts tourist. For example, Binghamton, NY, is known for its unique festivals that attract tourists. If you were hurt in a car accident in a city like Binghamton, contact a Binghamton car accident lawyer for a free consultation immediately.
