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Avoid providing unnecessary details about your personal life or making generalized statements. Do not mention prior injuries that are not related to the current claim. Additionally, resist the temptation to speculate about the accident's circumstances. Keeping the no fault law for dummies in mind can help you navigate these conversations.
In most cases, if you aren't at fault in a car accident, the other driver's state-mandated liability insurance coverage would pay for damage to your car, property and for medical bills for injuries, up to the limit of the policy. This is especially useful if your policy doesn't have adequate coverage.
In a no-fault, drivers can receive compensation from their own auto insurance company in case of a motor vehicle accident ? regardless of who caused it. It's different from a fault or tort state, where the compensation can only be recovered from the party that caused the accident.
Insurance companies will usually try to come to a settlement between themselves and both insurers will try and support the account of their own client. If you've admitted fault to your insurer then they have a legal obligation to cover the damages depending on you level of cover.
No-fault insurance is designed to cover your medical expenses and/or loss of income when you're involved in a car accident, regardless of who was at fault. Some states require drivers to carry no-fault auto insurance, while others make this coverage optional.
In its broadest sense, no-fault insurance is any type of insurance contract under which the insured party is indemnified by their own insurance company for losses, regardless of the source of the cause of loss. In this sense, it is similar to first-party coverage.