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States are generally categorized into two insurance systems — no-fault and at-fault — which strongly impact the type of coverage you need on your car insurance policy and how your claim is paid.
In Texas, PIP coverage will cover medical expenses, eighty percent of lost wages, and someone to take care of the injured party. Some states also allow for PIP claims even if a workers' compensation claim exists, while others do not. Some states PIP is the insurance of first resort to pay for medical bills when injured in an automobile accident ...
Car insurance companies will read the accident report after it is filed. Insurance companies. Your car insurance company will decide which claims they fulfill and which they do not. If the other ...
Not-at-fault accidents without insurance If you are involved in an accident but did not cause it — perhaps you are rear-ended by another driver — not having insurance can still be problematic.
No-fault systems generally exempt individuals from the usual liability for causing bodily injury if they do so in a car collision; when individuals purchase "liability" insurance under those regimes, the insurance covers bodily injury to the insured party and their passengers in a car collision, regardless of which party would be liable under ordinary legal tort rules.
The insurance company will ordinarily pay the judgment, up to the policy limits, once a court determines that an uninsured motorist was at fault. Some states' laws also allow additional insurance coverage to the insured policyholder through policy stacking provisions, whereby a claim may be made against multiple uninsured motorist policies.
For governmental claims, both minors and adults have 6 months to file a claim with its corresponding jurisdiction according to Government Code section 911.2. After filing a claim to satisfy Government Code Section 911.2, the claimant has an additional 6 months to file a lawsuit against a government entity unless the entity accepts the claim. [37]
Filing a complaint with your state’s insurance commissioner or attorney general can help sort out consumer protection issues, including erroneous insurance claims. What to read next