Understanding No Fault Insurance
No Fault insurance, or PIP (Personal Injury Protection) insurance, is part of your auto insurance coverage that pays for any of your medical expenses incurred from the car accident. In some cases, PIP or no fault insurance may also cover lost wages from the auto accident. PIP insurance means there is no one at fault in the car accident. This helps reduce the incidences and the costs of small claims court. Not only does PIP insurance cover your medical expenses, it also covers the medical expenses of each passenger during the incident.
Not every state carries No-Fault insurance. Let’s say you were involved in a car accident in New York. PIP insurance pays for all your medical expenses if you’ve been hurt in that car accident. How do you know if your state is a No Fault state? There are currently twelve states that include no-fault insurance into auto policies. Simply check here to see if your state is on the list. Because we live in North Carolina, I can tell you that we do not live in a no fault state. That means medical expenses are either paid through med-pay, or through third party liability insurance. The car accidents that happen in North Carolina have someone at fault.
Because Charlotte is a hub for so many people, we often see many people suffer injuries from car accidents happening in No-Fault states. Luckily, our Charlotte chiropractor and staff at Beyond Wellness Chiropractic Center, P.C. know how to effectively treat your injuries and file insurance claims for no-fault accidents.
If you’ve been injured in a car accident in a no-fault state, it is very important to file a No-Fault application with the insurance company. You have 30 days from the date of the car accident to fill it out and send it back to them. If you don’t send this application within 30 days, they will deny any and all medical expenses. Even if you don’t think you’ll need medical treatment for the accident, it is always safe to fill out the application just in case. It can sometimes take weeks and even months before you notice any residuals form a car accident. Don’t wait to fill it out.
Getting into a car accident is time consuming and a headache to deal with. Getting treatment for injuries from the car accident shouldn’t be. That’s why we’ve made it easy for you to get the care you need without taking up your time waiting. We have a no-wait policy. Call our Charlotte chiropractor at Beyond Wellness Chiropractic Center, P.C. today to schedule your appointment.