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The concept of No-Fault insurance is meant to lower the cost of auto insurance by reducing the number of lawsuits filed on auto accidents.  This is done under the circumstance that each insurance company will pay their own policyholder for minor injuries, whether an accident was their fault or not. Usually states that make no-fault coverage mandatory, known as Personal Injury Protection (PIP), have some restrictions on when a lawsuit can be filed by parties injured in auto accidents. Usually the threshold whether or not someone involved in the accident can sue, is determined by a monetary amount of medical bills or how serious the injury is.

Here are some circumstances when an injured person from an auto accident has the right to sue:

  • If someone is seriously injured or killed in an accident
  •  A non-resident who is an occupant of a motor vehicle not registered
  • You can sue for up to $500 in damages to your car that is not covered by insurance, if the other person involved is 50% or more at fault for the accident.

Keep in mind not every state follows the same guidelines when it comes to no-fault insurance. Contact us to find out more about no-fault insurance or to get a quote on Chicago auto insurance.

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    Roselle, IL 60172

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