https://www.youtube.com/watch?v=Xr3XsWLEGRs How the Rules of Insurance May Affect Your Car Accident Claim When it comes to filing a car accident claim, the rules of insurance play an important role in the final outcome. Some cases are easy, while others are more complicated. The rules of fault and contributory negligence may impact your claim. You can determine who is responsible by analyzing the laws governing insurance in your state. No-fault state It is a good idea to consult a lawyer if you have been involved in a serious accident. A lawyer who is specialized in car accidents can help determine whether you have a case. Many of the attorneys are free to consult with, so there's absolutely no cost to you to use this service. If you file a no-fault car accident claim, you might have to prove that the other driver is the one responsible for the accident. Anecdotal evidence is not a valid way to establish the fault of the other driver. You will need to submit official police reports. In addition, your no-fault state may exclude medical expenses covered by PIP. No-fault insurance can aid you in paying medical bills if your car is damaged during a car accident. Although you might not be able to sue the other driver to repair your vehicle, you may still get compensation for other expenses that were caused by the accident. Based on the state's auto insurance laws, PIP coverage can be essential in receiving compensation for your expenses. The no-fault insurance policy for your car will cover the majority of your expenses. Based on , PIP might cover different costs however, it generally covers the majority of the costs associated with injuries. However, it does not cover emotional distress, or inconvenience. Also, it won't cover the expense of replacing your vehicle. Comparative fault state In New York, a car accident case is decided by the state's comparative fault statute. This law is different from other states that have contributory fault laws. In simple terms, it stip