What Is a No-Fault State?

Legally reviewed by:
Rubin, Glickman, Steinberg & Gifford P.C.
November 6, 2023
car crash accident on street

Imagine you are in a car accident where you sustain injuries requiring immediate medical attention. You receive medical treatment after the accident, and your medical bills accumulate. As a Pennsylvania resident, the no-fault law dictates that you should seek reimbursement for medical expenses from your own automobile insurance company, also known as personal injury protection (PIP) coverage. This coverage should include payment for medical bills and rehabilitation costs.

It also includes lost wages if you cannot work due to the injuries sustained in the accident. While the no-fault law seems straightforward, an insurance company may exploit its complexities. It can leave individuals injured in an accident or facing legal charges, unsure of their rights and options. That is why you need to understand what living in a no-fault state means and how it can impact your situation. Read on for more on this. 

What Is a No-Fault State?

No-fault states, also known as “no-fault insurance states,” have a specific legal framework that governs how compensation is handled in certain types of accidents. In these states, individuals involved in an accident, such as a car collision, must initially have their own automobile insurance pay for their medical care.  It does not matter who is at fault. Currently, a total of 12 no-fault states exist in the US.

These states include Pennsylvania, Michigan, New Jersey, Kentucky, New York, Hawaii, Kansas, Massachusetts, Minnesota, North Dakota, Florida, and Utah. Each of these states has unique laws and regulations regarding no-fault insurance, which can impact how personal injury cases are handled. Living in a no-fault state like Pennsylvania means that if you are injured in an accident, your initial recourse for medical bills will be to submit them to your own auto insurance, before submitting them to your health insurance. 

What to Do When You Get Involved in an Accident in Pennsylvania

First and foremost, prioritize your health and well-being. If you or anyone involved in the accident has suffered injuries, seek immediate medical attention. Prompt medical evaluation ensures your well-being and creates an essential record of your injuries. It can support your claim for compensation which will later be submitted to the other driver’s insurance carrier. Initially, you must notify your own auto insurance company as soon as possible.

In Pennsylvania, the no-fault law mandates that your medical expenses be covered by your own automobile insurance provider. Inform them about the accident and the injuries sustained, providing accurate and detailed information. Be cautious of statements that could be used against you to undervalue or deny your claim. Your insurance company will guide you through filing a claim under your personal injury protection (PIP) coverage.

When to Speak to a No-Fault Lawyer in Pennsylvania

A set of challenges might arise during the aftermath of an accident. It may not be necessary to consult a no-fault lawyer for every minor incident. Yet, there are certain circumstances where seeking legal representation is highly advisable. Here are two comprehensive scenarios in which you should consider speaking to a no-fault lawyer in Pennsylvania:

Severe Injuries and Long-Term Impact

Consult with a no-fault lawyer if you or a loved one has sustained severe injuries due to the accident. Grave injuries can significantly impact your physical, emotional, and financial well-being. As a result, you may require extensive medical treatment and rehabilitation. In such cases, a skilled lawyer can help you navigate the intricacies of the no-fault law. They will assess the full extent of your damages and help seek fair compensation for your current and future medical expenses. 

Disputes With Insurance Companies

The no-fault system is designed to provide efficient and timely medical care for accident victims. However, it is not unlikely for disputes to arise with insurance companies, leading to delayed or denied claims. If you find yourself in a situation where the other driver’s insurance company offers an insufficient settlement or wrongfully denies your claim, seek legal representation.

In both scenarios, consulting a no-fault lawyer from a reputable firm can provide you with the legal support and guidance you need. Remember, time is of the essence in personal injury cases, ensure you act as soon as possible. 

Benefits of Hiring a No-Fault Lawyer

Hiring a no-fault lawyer in Pennsylvania comes with a host of benefits. These legal professionals possess comprehensive knowledge of the state’s no-fault law. It enables them to navigate its technicalities with expertise. Hence, you gain access to strategic guidance tailored to your unique case.

Another significant advantage of hiring a no-fault lawyer is their ability to provide effective advocacy and maximize your compensation. These lawyers bring strong negotiation skills, advocating for your rights and working diligently to secure a fair settlement. With their support, you can seek rightful compensation for medical expenses, lost wages, and pain and suffering. Their goal is to offer financial relief and the necessary resources to support your recovery and future well-being.

Hire the Best Pennsylvania No-Fault Attorney at RGSG 

Are you grappling with a no-fault legal problem? At Rubin, Glickman, Steinberg, and Gifford, P.C., our team of experienced no-fault lawyers is dedicated to serving clients throughout Pennsylvania. With our expertise and commitment to our clients’ best interests, we are the trusted advocates you need in your corner.

To discuss your case and explore your legal options, contact RGSG today. Our skilled attorneys are ready to provide the guidance and support you require during this challenging time. Call us at (215) 822-7575 or fill out our contact form to arrange a free consultation.

Legally reviewed by:
Rubin, Glickman, Steinberg & Gifford P.C.
Pennsylvania Attorney's
November 6, 2023
Established in 1952 by Irwin S. Rubin, Rubin, Glickman, Steinberg & Gifford P.C. boasts over 65 years of experience serving clients throughout Pennsylvania. Renowned for its commitment to ethical representation, the firm has garnered prestigious accolades, including being named the "Best Law Firm" for its outstanding legal defense work by U.S. News & World Report. Their team of seasoned attorneys, recognized as Pennsylvania Super Lawyers and Rising Stars, brings unparalleled expertise to a wide range of legal matters, ensuring exceptional representation for individuals, families, businesses, and organizations.