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The No-Fault Auto Liability Insurance – A Cheaper Way to Financial Protection

“Save lives, prevent injuries, reduce vehicle-related crashes”: this is the major task of the National Highway Traffic Safety Administration (NHTSA), a branch of the Department of Transportation and one of the agencies of the U.S. government’s Executive Branch.

On its website, Ravid & Associates, P.C., does not disprove the fact that some car accidents are due to “unavoidable and unpredictable” occasions; more, however, are results of another motorist’s recklessness or carelessness on the road.

True enough, as the usual major causes of car crashes are drunk-driving, over or under-speeding, recklessness and driver error (especially because of the use of hand held phones and other forms of devices that cause driver distraction). And, sad to say, but the numbers of those who sustain severe injuries or those who end up dead, due to these car accidents, still number to millions or thousands, respectively.

For this reason, every state in the US mandate drivers to have sufficient auto liability insurance, and the one kind of this type of insurance that has become quite famous now is the no-fault auto liability insurance.

Through no-fault auto insurance, your insurance provider will pay for the injuries that you, as their policy holder, have sustained, regardless of whose fault the accident was (injury suffered by the other driver will be paid by his/her own insurance provider). The payment, called the personal injury protection (PIP), covers lost wages, due to days of work missed, medical bills and property damage. The desire to still pursue additional payment for damages to property can be done in court.

No-fault car liability insurance renders premiums and legal costs lower than at-fault insurances. This is because the former would no longer necessitate legal or court procedures associated simply with determining whose fault the accident really is – this means no more court fees to pay. This court procedure is what actually requires at-fault drivers to pay higher premiums.

Presently, there are 12 states that require drivers to carry no-fault car liability insurance; these include Utah, Pennsylvania, North Dakota, New York, New Jersey, Minnesota, Michigan, Massachusetts, Kentucky, Kansas, Hawaii and Florida.

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