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No-Fault Insurance

A motor vehicle accident can have a devastating impact on you and your family. If you or a loved one has been injured, contact our firm to schedule a consultation with an experienced personal injury attorney.

Car Accident Lawyers | West Columbia, South Carolina

Motor vehicle accidents happen in an instant, whether they occur on the freeway or close to home. In an instant, your life could be changed forever.

If you have been seriously injured in a motor vehicle accident or if you have lost a loved one due to such an accident, you may be entitled to compensation for medical expenses (past and future), lost wages (past and future), and pain and suffering.

Please contact the experienced and caring attorneys at the Taylor Law Firm, LLC in West Columbia, South Carolina, for a free consultation. Let us put our knowledge and know-how to work for you.

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No-Fault Insurance

When a driver has been in an accident, no-fault auto insurance allows the driver to collect from his or her insurance company regardless of who caused the accident. 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 an injured party may collect. Contact Taylor Law Firm, LLC in West Columbia, to schedule a consultation with a personal injury attorney to discuss how SC views fault and to determine how no-fault 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 to the insured driver in case of an accident, 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. No-fault laws can make it 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 his or her own insurance policy.. No-fault insurance policies often have a cap on the compensation they will pay.

The no-fault insurance system strikes a balance between preventing injured parties from receiving a windfall due to an accident and ensuring that they will be compensated regardless of who caused it. The specifics of no-fault insurance laws vary widely by state, but may also provide compensation for certain economic losses experienced as the result of a crash.

Personal injury protection (PIP)

Your no-fault insurance is probably part of what is known as a Personal Injury Protection (PIP) package. PIP insurance pays for the medical expenses of the insured driver and his or her passengers injured in an auto accident. PIP insurance typically covers things like medical bills, wage loss and funeral expenses, but doesn't address pain and suffering or vehicle damage, though this varies by state and particular insurance policy. PIP packages usually also have distinct coverage limits.

Contact a personal injury attorney

How you handle the aftermath of 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 a personal injury lawyer from Taylor Law Firm, LLC in West Columbia, SC, will help to clear up the confusion you may be feeling following a crash.

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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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Taylor Law Firm, LLC
3618 Sunset Boulevard, Suite D
West Columbia, SC 29169

803-926-2205 phone
803-926-4966 fax