No-Fault Insurance

Even though laws requiring auto insurance can be strict, not every driver follows them. If you have been in a motor vehicle accident with an uninsured or underinsured motorist, you may have more options than you realize. Before you settle with any insurance company, contact our firm to learn about your legal rights and options.

Experienced Montana Car Accident Lawyers

Anytime you are rear-ended or another driver runs into your car, serious injuries can occur. Many times, the other driver and their car insurance company will refuse to offer you fair compensation.

At Knight, Dahood, Everett & Sievers, our team of four attorneys is dedicated to helping car accident victims get payment for medical bills, lost wages, pain and suffering as well as other damages. If you or someone you care about was hurt in a motor vehicle accident in Montana, please learn more about how we can help you by visiting our Motor Vehicle Accidents page.

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When you have suffered because of another driver's negligence, it is important to fight for the compensation you deserve. Call 406-565-4804 or contact us online to schedule a free consultation at our Anaconda office.

Car accident victims often struggle to pay for medical bills and vehicle repair, especially if they have missed work because of the accident. At Knight, Dahood, Everett & Sievers, we have more than 90 years of experience fighting for personal injury compensation. We will work hard to obtain the payment you deserve.

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. Consult with an attorney from Knight, Dahood, Everett & Sievers in Anaconda, Montana, to discuss how your state 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 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.

Speak with an 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 an attorney from Knight, Dahood, Everett & Sievers in Anaconda, Montana, will help to clear up the confusion these systems can cause.

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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