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No-Fault Insurance

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Leger & Shaw is a full service New Orleans law firm that focuses on injury claims, including car accident claims, motorcycle accidents, and trucking accidents. Whether your motor vehicle accident was caused by driver negligence or due to a defective auto part, we have the experience you seek to assist you with your claim.

Our attorneys believe you should have the knowledge needed to make informed decisions regarding the handling of your claim. Accordingly, we are providing you with some general information regarding motor vehicle accidents and laws. If you have any questions regarding the information provided below, or if you wish to discuss your particular claim, please contact an experienced motor vehicle accident attorney and schedule a free confidential consultation. Insurance companies have high-powered attorneys representing their legal interests; let us represent yours.

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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 regardless of who caused the accident. 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 an injured party may collect. Contact Leger & Shaw in New Orleans, to schedule a consultation with a personal injury attorney to discuss how LA views fault and to determine how no-fault 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, 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. No-fault laws can make it 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 his or her own insurance policy. No-fault insurance policies often have a cap on the compensation they will pay.

The no-fault insurance system strikes a balance between preventing injured parties from receiving a windfall due to an accident and ensuring that they will be compensated regardless of who caused it. The specifics of no-fault insurance laws vary widely by state, but may also provide compensation for certain economic losses experienced as the result of a crash.

Personal injury protection (PIP)

Your no-fault insurance is probably part of what is known as a Personal Injury Protection (PIP) package. PIP insurance pays for the medical expenses of the insured driver and his or her passengers injured in an auto accident. PIP insurance typically covers things like medical bills, wage loss and funeral expenses, but doesn't address pain and suffering or vehicle damage, though this varies by state and particular insurance policy. PIP packages usually also have distinct coverage limits.

Contact a personal injury attorney

How you handle the aftermath of 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 Leger & Shaw in New Orleans, LA, will help to clear up the confusion you may be feeling following a crash.

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DISCLAIMER: This site and any information contained herein are intended for informational purposes only and should not be construed as legal advice. Seek competent legal counsel for advice on any legal matter.

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