When it comes to car accidents, knowing whether your state is an at-fault or no-fault state is vital. This will guide your car accident claim, an option you can pursue significant compensation. The process for filing your claim will change depending on whether you live in an at-fault state. Do not hesitate to ask a Jackson car accident attorney for help if you have questions.
At-Fault Versus No-Fault Laws
A no-fault insurance state means both drivers are compensated by the auto insurance company regardless of who was at fault. This means that even drivers who were at fault for the accident will be compensated. Personal injury protection insurance is used for this and is mandated in no-fault states.
Whereas an at-fault state like Mississippi requires a driver to prove the other driver was at fault. Otherwise, that driver will not be compensated. The driver who is completely at fault for the accident will not receive compensation. This works because the driver who is deemed at fault is the one who pays for the other driver’s damages.
At-fault and no-fault states usually require drivers to carry a minimal amount of liability insurance. This liability insurance covers drivers who are deemed at fault for the accident. Drivers with more liability insurance will have to pay less out-of-pocket for the other driver’s damages if placed at fault for the accident.
Compensation from these different types of insurance policies can be used to cover damages like:
- Medical bills
- Lost wages
- Funeral expenses
- Property damages
- Vehicle repairs
The amounts of coverage for these expenses will vary depending on the insurance policies a given driver has. Consider contacting a Jackson car accident lawyer if you have any questions about this.
What At Fault State Means for You
Living in an at-fault state means you need to prove the other driver was at fault if you want compensation. This can be accomplished by filing a car accident claim, something that will start the auto insurance company investigation. Many auto insurance investigations involve:
- The claims adjuster visiting the accident site
- Requests for more information, evidence, and documents
- Questions about the car accident
- Inspecting your vehicle to assess damages
The more evidence you collect right after the accident, the better your chances. Take photos of your injuries, vehicle damages, and the accident scene. Obtain copies of medical records and the police report. Write down what happened, the other driver’s contact information, and witness contact information.
Ask a lawyer for advice before signing settlement agreements and contracts. Be careful not to trap yourself in an unfair deal.
Multi-Vehicle Accident Lawyer in Jackson
Proving fault for your car accident claim can be difficult. All you have to do is call the Germany Law Firm, PLLC by dialing (607) 487-0555 to speak with a Mississippi auto accident attorney for a consultation today. Our experienced team of lawyers can help you increase your chances of compensation for your lost income, pain and suffering, and medical costs.