No Fault Insurance
There are currently 13 states that have in place some type of no-fault insurance.
No fault has been around a long time and although its premised policy reasoning is positive, which is in essence, to lower insurance costs, it is difficult to determine if no fault does in fact actually accomplish this. In other instances, studies have proven that no fault insurance does not lower insurance costs.
No fault insurance generally eliminates injury liability claims and lawsuits in smaller accidents in exchange for direct payments by the injured person's own insurance company. Such coverage includes only medical bills and lost wages up to a pre-specified dollar amount. As the name implies such payment is made regardless of who was at fault for the accident. A personal injury attorney Phoenix is not currently under this system per state law.
No fault typically does not apply to property damage issues, therefore if a personal injury attorney Phoenix claimant wishes to recover property damage (if Arizona was to become a no fault jurisdiction), there would have to be a traditional liability claim which must establish fault. Nevertheless, because of legal precedent's made, after the personal injury protection claim was made, a party may still file a liability claim against the party responsible for the accident.
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