or other damages, just payments for medical bills and any lost earnings. Sometimes they’ll cover services you have to pay someone else to do because your injuries make it hard for you, such as hiring a cleaning service for your home. That said, there are often coverage limits in no-fault states, so it’s possible all your expenses won’t be covered if they are on the higher side. If there’s something like a medical bill that your insurer thinks is unnecessary or too expensive and therefore refuses to cover, you may need to bring in a lawyer to negotiate a settlement. WHO’S AT FAULT? Each state has its own negligence laws, and there are three main types. Pure comparativenegligence determines howmuchmoney you get by how much you’re at fault in an accident. Modified comparative negligence means the other driver’s insurance will pay you if you’re less than a certain percent responsible, usually around 50%. Contributory negligence means that if you’re even slightly at fault, you won’t collect any money. CLAIM PROBLEMS The good news is that in my experience, claims service tends to be pretty fair. However, issues can come up, and it’s always good to know what these may be and how to deal with these potential problems. Keep in mind that appeals have a deadline, so make sure you appeal in time! First of all, why might you have been denied or not paid enough? Often it’s because a claim isn’t covered, either wholly or in part. Sometimes it’s due to the insurance company’s mistake, which is why it’s important to read everything over in detail.
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