Who pays with no-fault insurance?

No-fault insurance, also known as Personal Injury Protection (PIP), can help you pay your bills by covering any medical expenses, lost earnings and other actual financial losses that are reasonable and necessary.

In fact, if you have the required coverage, your insurance company will pay for the first $50,000 in financial damages from an auto accident – no matter who caused it. That’s why it’s called ”no fault.“

No fault will cover up to $50,000 per person to anyone injured in your car and to pedestrians injured by your car in an accident.

Note: if you want to sue another driver for causing pain and suffering, or for lost wages or medical bills more than $50,000, you must have sustained a serious injury as defined by law. The attorneys at O’Brien Boyd can help you determine if you meet these requirements.

So why do you need an attorney if you have no-fault coverage?

• Your auto insurance agent or representative may not always give you all the information you need.
• For example, under the no-fault law, payment must be made promptly – regardless of who may have been at fault or whether there was any negligence.
• Insurance adjusters are trained to record statements that will protect the insurance company, while downplaying your injuries and even hurting your ability to make a claim in the future.
• A well-trained attorney can help ensure that you get justice.

If you or a loved one has questions about no-fault insurance, please call 716-839-7777, e-mail an attorney at O’Brien Boyd, or fill out this form to see if you have a case.