A motor vehicle accident can have a devastating impact on you and your family. If you or a loved one has been injured, contact our firm to schedule a consultation with an experienced personal injury attorney.
Information About Motor Vehicle Accidents
Our lawyers provide aggressive and caring representation to clients who were injured in motor vehicle accidents. Most people are confused and worried when they come to our office, wondering how they will pay their medical bills or get the car fixed. By the time they leave our office, they are reassured and know that we will stand by them as long as necessary to obtain the compensation they need.
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Contact the Franklin, Tennessee, attorneys at Abernathy, Story, Stovall, Hood, Harris, Garner, Ashworth and Campbell, An Association of Attorneys. Learn how we can help you after a motor vehicle accident.
We handle car, truck and motorcycle accident cases, seeking maximum compensation for clients who were injured or whose loved one died. Call 615-656-3781 to learn more.
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No-Fault Insurance
When a driver has been in an accident, no-fault auto insurance allows the driver to collect from his or her insurance company no matter who was at fault. Not every state has a no-fault insurance structure, but those that do have very specific laws governing when, how much and for how long the injured party may collect. Contact Abernathy, Story, Stovall, Hood, Harris, Garner,Ashworth and Campbell in Franklin, to schedule a consultation with a personal injury attorney to discuss how TN views fault and to determine how the laws may affect your right to recover damages for injuries.
How no-fault insurance works
No-fault insurance is a system in which auto insurance pays benefits to the insured driver in case of an accident. The insurance compensates the insured driver for monetary losses, no matter who was at fault. This is contrary to systems in which the at-fault driver's insurance company must pay the bulk of the compensation after an investigation and determination of fault by the insurance companies or the courts.
The system is designed to streamline the process of payments to injured people and to lower the burden on the courts. Under the no-fault insurance system, it can be more difficult to sue an at-fault driver for damages; the insured typically must have been quite seriously injured in order to take such legal action. On the other hand, monetary recovery for the insured is more certain under no-fault insurance because the compensation is immediately available through the insurance policy of the injured party. No-fault insurance policies often have a cap on the compensation they will pay.
The no-fault insurance system prevents injured parties from receiving a windfall due to the accident, but it also ensures compensation no matter who caused the accident. In a no-fault state, the other driver will also receive compensation from his or her insurance company if that driver sustained certain economic losses. The specifics of no-fault insurance laws vary widely by state.
Personal injury protection (PIP)
If you have a no-fault insurance policy, it is probably called a personal injury protection (PIP) package. PIP insurance pays for the medical expenses of the insured driver and the passengers who were injured in an auto accident. PIP insurance typically covers things like medical bills, wage loss and funeral expenses, but not pain and suffering or vehicle damage. This varies by state and particular insurance policy. The PIP packages have limits on what they will pay.
Contact a personal injury attorney
How you handle the situation after a motor vehicle accident can make a significant difference in your monetary recovery. Dealing with insurance companies can be especially tricky. In addition, the no-fault and fault insurance systems vary widely by state. Speaking with a personal injury lawyer from Abernathy, Story, Stovall, Hood, Harris, Garner,Ashworth and Campbell in Franklin, TN, will help to clear up the confusion these systems can cause.
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