How No-Fault Insurance Claims Work in Memphis
Some states have no-fault laws; other states have at-fault laws. These laws determine how you file a claim and who pays for the damages you suffered. In no-fault accident states, you must rely on your own policy to collect the money you need. In at-fault accident states, the responsible driver must pay for the damages and the injuries they caused.
Regardless of how your accident occurs, you must abide by the laws in your state if you want to collect compensation. This means understanding the differences between no-fault and at-fault car insurance laws.
So how do no-fault insurance claims work in Memphis, and will this affect your case?
We know that Memphis families and visitors need someone in their corner who will fight aggressively for their future after an accident. With rising healthcare costs, many families quickly find themselves in serious financial jeopardy after an accident. Fortunately, our Memphis injury law firm can help.
What is No-Fault Insurance?
No-fault insurance is also known as personal injury protection insurance (PIP). In states with no-fault laws, drivers must carry personal injury protection insurance to cover them when accidents occur. This insurance provides drivers with a quick and easy way to access money to help them pay for accidents.
After an accident, drivers and passengers file claims with their own insurance company – even when they didn’t cause the crash. There is no need to prove fault or establish liability in the accident. Your insurance is then required to pay for damages and other accident expenses up to your policy limits. It often covers hospital and medical expenses and income losses due to missed time at work.
Is Tennessee a No-Fault State?
No, Tennessee is not a no-fault state. It is an at-fault state. That means that injured drivers must file a claim to the other driver’s insurance company when seeking compensation after an accident. They also retain the right to file a lawsuit seeking additional damages as well.
After an accident, injured accident victims in Tennessee must establish fault before they can file a claim. This can often involve police reports, investigations, and negotiations with insurance companies. An experienced and skilled Tennessee car accident attorney can help you through this process.
No-Fault vs. At-Fault Insurance
No-fault states use these laws to help eliminate small claims and decrease the overall cost of car insurance for everyone in the state. When an accident occurs, injured victims do not have to quarrel over who is to blame or how much each party contributed to the accident. Instead, they can simply turn to their own policies to collect the money they need. This allows them to obtain compensation quicker and easier because it eliminates much of the legal process.
At-fault states require the responsible party to pay for their mistakes. When an accident occurs, injured victims must establish who is to blame for the crash and the damages. When both parties share the blame, they must negotiate and determine how much blame each party shares. The insurance company will then pay the injured victim a settlement amount. If you cannot agree on a settlement, the injured accident victim can file a lawsuit to seek damages.
Working With the Insurance Company
When you suffer an injury in a no-fault state, you must work with your own insurance company to collect the compensation you need. This means you must cooperate with them and often attend a medical examination or give a recorded statement. Working with the insurance company is in your best interest because it allows you to tap into your policy and its benefits easier.
When you get into an accident in an at-fault state like Tennessee, however, it is not in your best interest to work with the other driver’s insurance company. You do not want to give them a recorded statement or agree to a physical. That is because their adjusters are looking for any reason to deny or reduce your claim. They will use statements and physicals to reduce the amount of money they are willing to pay you after a car accident.
For these reasons, you need an experienced and knowledgeable Memphis car accident attorney in your corner after a crash.
Why Choose Rainwater, Holt & Sexton
When you suffer an injury in a car accident, you need a Memphis personal injury law firm that understands the intricacies and complexities of insurance claims. Our car accident lawyers have helped injured accident victims throughout the Memphis area navigate complex insurance claims. Our attorneys know how to aggressively negotiate with insurers to ensure that our clients get the money they need – and deserve after a serious accident. We do this because you deserve justice – and our lawyers know that you need money to pay for medical bills, expenses, and lost wages.
With over 30 attorneys on our staff, we are ready to assist you through the entire legal process – from start to finish. Together, we have won multi-million dollar car accident cases and can put this experience to work for you. While past success never guarantees future results, you can rest easier knowing you have a winning legal team on your side.
We Serve Memphis
From Arlington to Cordova, our Memphis car accident attorneys are here to help you and your family after a serious accident. Whether you are a long-time resident or just passing through the area, we can help you file the claims to collect the compensation you deserve.
We are proud to serve all of Memphis, including Midtown, North Memphis, Cooper-Young, Orange Mound, East Memphis, Parkway Village, Downtown, South Memphis, Binghamton, Berclair, the University of Memphis, Colonial Acres, Uptown, Central Gardens, Oakhaven, Nonconnah, Whitehaven, and more.
254 Court Avenue, Ste. 209A
Memphis, TN 38103
Our Memphis car accident injury lawyers are here for you and your family. Contact Rainwater, Holt & Sexton lawyers today. Fill out a free contact request form, which only takes a minute, or simply dial (800) 434-4800 and tell us your story.
We offer FREE consultations in person or over the phone to better assist you. You have nothing to lose! Call us today!.