Fault vs. No-Fault States

insurance adjuster examining damage on a carOur team at Lowe Law Group is equipped to represent individuals in multiple states. As such, we understand how insurance and accident claims can vary from state to state, especially when you consider the premise of fault and no-fault following a car crash.

Some states operate on a fault system while others require individuals to handle claims under no-fault standards. Based on how your state operates, the process of filing a claim differs and your rights may be different than you may think.

Fault States

Fault states are those that allow individuals injured in car accidents to file a claim with the insurance company that provides coverage to the responsible party. This means if someone is speeding, crashes into you, and causes injuries, you can file a claim with his or her insurance company to seek compensation.

As with any situation, the other party’s insurance company will not be easy to work with and they may try and find ways to deny your claim. So, even though their policyholder is responsible and fault states require them to help in these situations, they may not be the most willing to do so.

No-Fault States

In no-fault states, the way you file a claim is a lot different. For many minor accidents where property damage is not excessive, you didn’t suffer significant injuries, and you have enough coverage, you will go through your own insurance company regardless of whether the other person caused the accident.

However, legal action may still be necessary in certain circumstances in no-fault states. For instance, if your own insurance company denies your coverage or in accidents involving significant losses and debilitating injuries, you may still file a third-party lawsuit against the responsible party.

At Lowe Law Group, we work hard to recognize each state we are licensed to practice and how they handle matters following a car accident. This allows us to provide our clients with the strongest possible representation in complex matters.

When you rely on our car accident attorneys to help you get through this difficult time, you can be sure we’re willing to go the extra mile because your rights depend on it. Let us be your voice and pursue the outcome you deserve following an injury-causing crash.

Call our firm today at (801) 900-4681 and speak with our team about your potential case.

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