When two or more vehicles are involved in a motor vehicle collision, it can be challenging to determine who the wrongdoer was. But this is an essential step in the car crash claim because the main culprit should take responsibility for the damages caused by the motor vehicle collision. However, the laws that regulate insurance claims vary in different states, and the settlement amount you can get will depend on your state laws. For instance, in a no-fault state, drivers should carry liability insurance to cover the damages they cause to others in the collision. Keep reading to know about these claims and how to get justice.

About No-Fault Coverage

It's illegal for you as a motorist to drive your automobile if you don't have vehicle insurance. However, you have a right to choose the policy you feel will offer the best coverage. In addition, drivers in no-fault states must add personal injury protection (PIP) to their policy. The compensation process between fault and no-fault states also differs. For instance, in a fault state, you should file a crash claim with the wrongdoer's insurance provider to get compensation for all your expenses, especially medical expenses. Nevertheless, in a no-fault state, you should file a claim with your insurer for your medical bills even in the case where the other party is the one that was at fault. You can also get a payment to cover the wages you lose as you undergo treatment. That said, you can't get compensation for pain and suffering, which is available in at-fault claims.

Determining the Wrongdoer

If the defendant's insurer realizes their client is to blame for the collision, they might compensate you using the defendant's available policies. The defendant will have to pay partially out of pocket if their policy is insufficient to cover your losses. Most insurance firms use the police report to help them decide who the main culprit was. 

The payment you receive after a successful claim can be lower than you anticipated. For example, if you live in a state that uses pure contributory negligence, you can only get compensation if you had nothing to do with the collision. On the other hand, in pure contributory negligence states, the insurer will calculate your payment by your fault percentage. Finally, if you live in a state that operates with modified comparative negligence laws, you will only get compensation if your negligence was less than the set threshold.

No-fault insurance laws can be hard to comprehend, which could make you fail to get your rightful compensation. As such, you should consider working with a no-fault insurance attorney when you're involved in an auto collision.