Indianapolis No-fault Car Accident Attorney
If you have been in a car accident recently, you are probably wondering about the best way for you proceed. You may be facing property damage, medical bills, or both. The Indianapolis car accident lawyers of the Hankey Law Office can answer many of your questions about claiming compensation in no-fault car accidents.
What is the difference between a “fault” and “no-fault” car accident?
No-fault automobile accidents refer to instances where none of the individuals involved are assigned blame for the cause of the accident. In these cases, each insured driver recovers financial losses from their own insurance company and pays for their own automobile and health expenses. The no-fault system is intended to get people compensation for their accident as quickly as possible.
Fault accidents, on the other hand, refer to situations in which responsibility can be assigned to one or more individuals involved in the accident. In these cases, the liable party (or their insurance company) is responsible for paying for the losses of the other involved drivers (involving damages to automobiles and other property, as well as personal injuries).
No-fault Accidents: Laws and Insurance Policies
The details of no-fault accident policies vary widely from state to state, and the liability insurance laws governing a given accident are dependent on the state in which the accident occurred. Typically, the four basic categories of state liability laws are:
- A traditional “tort-based” system where fault is assigned and individuals have the right to sue
- A no-fault system (as described above) where the insurance company must pay for its clients’ losses, but in which the client maintains the right to sue
- A no-fault system (as described above) where involved parties do not have the right to sue
- A system (available in some states) where a choice is given between tort or no-fault systems.
Unfortunately, insurance companies are not always willing to pay out the benefits to which their policyholders are entitled. If you have been hurt in a no-fault car accident, don’t settle for a lowball offer from your insurance company. Let an experienced Indianapolis no-fault car crash attorney help you claim the full amount of compensation that you need and deserve.
If you have been involved in an automobile accident and want to know more about your legal rights, or if you would like to get more information on fault / no-fault accidents, contact the no-fault car accident attorneys of the Hankey Law Office today at (800) 520-3633.