No Fault States: Starting Car Accident Injury Claims

One of the shortcomings of living in a no fault state is if you are ever injured in a car accident, your insurance might not be enough to cover all of your medical expenses. The reason is your no fault car insurance will only pay for your medical bills up to your policy limits. If you need more money, you will have to start a personal injury claim.
Starting Your Personal Injury Claim
Several no fault state’s have specific requirements before you can begin your personal injury claims. For example, some states will only let you file an injury claim if your injuries are considered “severe”. These states have what is known as an “injury threshold”. Meaning that if your specific injury does not fall within the guidelines of what the state considers “serious”, you will be unable to launch an injury claim and recover money for your medical expenses.
What is Considered a “Serious” Injury?
Every no fault state has a slightly different interpretation of what is considered a “serious” injury. However, there are certain types of injuries that generally fall under the “serious” category. For example:
Bone fractures (ex: you have a cracked Do Personal Injury Claims Go To Court or chipped bone in your arm or leg )
Permanent Injuries (ex: damages to your neck, spine or head).
Disabling injuries: (ex: a back injury Personal Injury Damages Findlaw that severely limits your movement )
Permanent disfigurement: (ex visible scars, broken nose, burn marks)
How to Show Your Injuries are “Serious”
In order to show that your injuries are serious, you need to understand how your specific no fault state has defined a serious injury. Your no fault state will have a description of which types of injuries it considers severe and serious. It is important to review the description for your specific state. Since each state has a slightly different interpretation of a serious injury, your injuries might be considered severe in one state and not in another.
Once you have reviewed the description, you can then determine if your injuries meet that criteria. Since the descriptions can be interpreted in many ways, you should try to create an argument that supports your claim. This way you can begin your insurance claim.
Whether your interpretation is valid or invalid can be a question of negotiation with the insurance company.
This is why it is important that you understand the seriousness of your injuries and understand to deal with the insurance companies.

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