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Do your best to answer their questions honestly and efficiently. However, contact an experienced attorney if you feel like your case is not being treated fairly or justly. While a citation given to the other driver or a finding of fault by the investigating officer may be helpful in proving the facts surrounding the collision, it is by no means a prerequisite to filing a claim, or definitive winning proof for or against your claim.
However, if it is established that you were partly to blame for the accident and the injuries you sustained, your settlement will be reduced accordingly. For example; a reckless driver ran a red light and hit your vehicle at a high rate of speed. You, however, were speeding at the time of the accident. A serious car accident can flip the lives of a normal Arkansas family upside down.
The physical realities of your injuries alone can be overwhelming, not to mention the financial ones. You have medical expenses, lost wages, and other costs that are bound to start coming in soon, and how will you pay for it all? There may be ways your lawyer can still obtain the money you need — but without a lawyer, hit and run accident cases are often difficult.
With seven offices conveniently located throughout Arkansas and Tennessee— Little Rock , Springdale , Conway , Hot Springs , Jacksonville , Bryant , and Memphis our car accident lawyers are easily accessible from the moment you are injured.
Read More. Search for:. We don't get paid unless you do. What is No-Fault Insurance? If you are injured in an accident, you have three ways to recover compensation in Arkansas: Filing a claim with your own insurance company — if you are not to blame, your insurance company will pursue a subrogation claim against the at-fault driver. It is also available on an optional basis in some other states.
While the laws vary from state to state, the industry divides them into three basic types: "pure" or "true" no-fault, choice no-fault, and add-on no-fault. First-party benefits means that the driver's insurance company will cover their medical and other expenses regardless of who is responsible in an accident.
The following states plus the territory of Puerto Rico have pure no-fault laws:. Choice no-fault refers to states that offer residents a choice of pure no-fault and a traditional automobile insurance policy that doesn't restrict their right to sue.
These states which also appear on the list above for offering pure no-fault allow drivers that choice:. Add-on no-fault policies are a sort of hybrid. Like a traditional auto policy, drivers are free to sue, but first-party coverage can be added on to the policy, meaning that their own insurance company will pay their medical and other expenses. The following states and the District of Columbia have add-on no-fault laws:. It's also worth noting that these laws are subject to legislative change.
Colorado and Connecticut, for example, passed no-fault laws in the s, only to repeal them several decades later. Pennsylvania also passed a no-fault law in the s, repealed it in the s, and then restored it in No-fault insurance is intended to reduce the demands on the court system associated with car accident-related lawsuits. States with no-fault laws generally allow you to sue for severe injuries or pain and suffering only when damages meet certain thresholds.
A typical no-fault car insurance policy will consist of:. Liability coverage is mandatory in all 50 states except New Hampshire. In that state, drivers still have to furnish proof of financial responsibility in order to drive without liability insurance. The liability portion of a no-fault insurance policy covers two distinct things: property damage and injuries caused to others. Property damage liability pays for damages to someone else's vehicle or other property in an accident you cause.
Bodily injury liability coverage pays for medical expenses and related costs if you injure someone in an accident where you're found to be at fault. Your policy can have both a per-person bodily injury liability limit and a per-accident bodily injury liability limit. Neither of those coverages pays for your own medical expenses or those of your passengers if you're involved in an accident. That's where the personal injury protection PIP component of a no-fault policy comes in. Personal injury protection insurance allows you to file a claim for medical expenses or other costs resulting from a car accident, regardless of who was at fault.
Depending on your policy, PIP coverage may also pay for lost wages or reimburse you if you have to hire someone to handle routine household chores for you while you're recovering from an injury. Each state specifies a minimum amount of personal injury protection coverage that you're required to have as part of a no-fault policy. Minimum coverage amounts also apply to bodily injury liability and property damage liability insurance. States also have different rules on what no-fault policies will pay for.
In Michigan, for example, PIP insurance will cover all reasonably necessary medical expenses, with no maximum limit. If you're involved in a car accident and you have no-fault insurance, the first thing you'll need to decide is whether to file a claim at all. Filing a claim may be necessary if you or a passenger in your vehicle were injured. Since this is no-fault insurance, you'd contact your insurance company to file any injury-related claim.
You would need to provide details about the accident and the extent of your injuries, as well as documentation of your medical expenses or lost wages. The insurance company would then process your claim and pay for your expenses, according to the coverage limits established by your policy.
An advantage of no-fault insurance is that since there's no need to prove fault, claims can be paid much faster. But it's important to remember that no-fault insurance policies have their limitations.
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