How to Make a Claim Against Someone Else’s Car Insurance in a No-Fault State

Accidents happen. The latest reports reveal that there are now 11.2 deaths out of every 100,000 citizens on America’s roads. Davis, Saperstein & Salomon P.C. is alarmed by the fact that this number doesn’t seem to be going down, particularly in many states where the number of accidents has remained stagnant for the past few years.

If you’re involved in an accident that’s not your fault, what do you do? The rules can be confusing and one wrong move can ruin your chances of getting justice.

Why No-Fault States Differ from All Other States

Drivers regularly report frustration with making a claim for an accident that’s not their fault in a no-fault state.

Davis, Saperstein & Salomon P.C. states that no-fault states can be confusing for the uninitiated because claims don’t run through the other driver’s insurer, like in most places around the world.

Rather than making a third-party claim, you make a first-party claim. Your claim for compensation in a no-fault state goes through your own insurer.

This can create problems. Drivers who have been injured in a road traffic accident report that it can be difficult to work with their insurer. And it’s no surprise as they’re the one who has to pay out in the event of a claim.

Drivers Increasingly Turning to Lawyers

Through long-standing education schemes, drivers are increasingly turning to the professionals for help when they’re involved in a road traffic accident.

With all the complications that come with making a claim in a no-fault state, you need a lawyer to help you breeze through the process. They work with drivers who possess no fault insurance to get justice.

Attempting to make a claim by yourself can take months, or even years, and still not result in a just result.

What Do the Experts Recommend?

Davis, Saperstein & Salomon P.C. recommend that drivers obtain as much information as possible when involved in an accident.

They should gather the other driver’s personal and insurance details, including license plate numbers. It’s also recommended that drivers take pictures of the road conditions, signage, and vehicular damage. A standard smartphone picture is more than enough to serve as evidence.

Lawyers are also advising that drivers head to the emergency room even if they feel fine. Medical and accident reports are vital pieces of evidence during a claim. Furthermore, the symptoms of a traumatic brain injury may not surface until many weeks after the incident.

Finally, drivers should always call the police so they can get a report. All of this information should be submitted to your legal team.

Hire a Niche Lawyer

Don’t just hire any lawyer to process your no-fault accident case. Look for a law firm that has specific experience in processing these types of claims.

Search for reviews and see what other clients have said about your lawyer in the past. Taking the time to do your research can give you a better chance of getting the compensation you deserve.

If you have any questions, please ask below!