No Fault Auto Insurance : Find Out How to Pay for Medical Expenses

Most of the people believe that a no fault car insurance policy will cover all of their injury damages, no matter who was liable for their accident. Unfortunately, this is not true. A no fault auto insurance policy will simply pay for your injuries up to your policy limit. Because of this you may be required to pay money for the remaining cost through your own pocket. Taking into consideration the heavy cost of medical procedures, this can be a costly problem for many people.

Fortunately, every no fault state makes it possible for the vehicle owner to be compensated for their injuries by launching an auto insurance claim.

At the same time, before you start your insurance claim, you are required to first meet your state's requirements.

Requirements to Begin Insurance Claims in No-Fault States

Nearly every no fault state has somewhat different requirements to start a car accident injury claim. A number of states have a "cash threshold". In other words if you need to launch a claim, the fee for taking care of your injuries must go over a selected cash amount.

Other no fault states have an "injury threshold". Which means that you can begin an accident claim given that your injuries are "absolutely serious". Every no fault state has a slightly different explanation what it considers a "serious" injury.

A lot of different states have both an injury and cash threshold. In other words if you surpass one threshold, either the cash or injury, you can begin your accident claim.

Example

Massachusetts is a no fault state that has both a cash and injury threshold. The cash threshold for Massachusetts is $500. In other words in order for you to file an insurance claim, your total medical fees will have to be bigger than $500. Otherwise you will have to pay for the expenses from your very own own pocket.

To figure out if you have exceeded your state's cash threshold, you'll want to add up all your medical fees following your car accident. This includes:

Ambulance Bills
Hospital Costs
Clinic Expenses
Doctor's Visit
Lab and Testing bills
Physical therapy


Since Massachusetts also has an injury threshold, you need to read up on what the state considers a "severe injury". Most no fault state's look at the following injuries as being "serious":

Injuries that can be long-lasting or result in serious disfigurement
Broken bones
Injuries that can cause significant loss of hearing or eye sight

If your injuries fall in your state's "severe" category, it will be possible to start your car insurance claim to receive your personal injury settlements

Learn to get money from your car accident insurance claims