About a dozen states, including Hawaii, currently use a no-fault system for auto insurance. That means, regardless of who may have been at blame for the collision, injured drivers and passengers must turn first to their personal injury-protection auto insurance policy to receive reimbursement for medical costs, missed wages, and other out-of-pocket damages. Only specific circumstances allow for a claim to be made against the at-fault driver. But what exactly does no-fault car insurance entail?
Personal injury protection explained.
Personal Injury Protection, or “PIP,” often known as no-fault insurance, is the $10,000 in medical coverage that all auto insurance providers in Hawaii must include in auto insurance plans. But it still matters who was at fault in an accident.
The $10,000 in medical benefits are provided regardless of wrongdoing, which is why they are known as no-fault insurance benefits. The first $10,000 in medical benefits in an automobile accident in Hawaii will be covered by your car’s insurance, regardless of who was at fault.
Many clients don’t understand why their insurance must cover medical expenses, yet the other car’s driver is at fault. Here is why.
Prompt medical attention is necessary.
The primary concern following an auto accident in Hawaii is that all wounded parties receive the necessary medical care as soon as possible. For this reason, the law was designed in this manner. Who is to blame for an accident is occasionally ambiguous.
The no-fault coverage in Hawaii allows all those hurt in accidents to go ahead and obtain the care they need with the confidence that their medical bills will be paid. That is as opposed to making them wait for the insurance companies to determine who was at blame before receiving treatment.
The insurance covers reasonable damages.
Hawaii’s no-fault insurance pays for any reasonable medical care associated with accident-related injuries. It covers medical expenses for physical therapy, massage treatment, emergency department visits, and doctor appointments.
Hawaiians with no-fault insurance can rest easy knowing they won’t be responsible for any medical expenses if they are involved in vehicle accidents. Furthermore, they can be confident that a legal team will hold the at-fault motorist liable for their suffering, lost wages, and other costs associated with the car accident.
It’s crucial to remember that even while your PIP insurance covers $10,000 in medical expenses, they are only required to pay for reasonable and pertinent care.
You can engage a lawyer.
When interacting with insurance adjusters, remember that their goal is to assist their firm in avoiding paying for your injuries. Even when they seem incredibly friendly and helpful, they do not have your interests at heart and want you to be open with them.
They know that if you are experiencing this, you will be more forthcoming with them and eager to divulge information they can use to evade paying your debts. This is where you engage Hawaii car accident lawyers to protect your rights. Other claims require the assistance of a skilled injury lawyer to convince the insurance company to compensate you fairly for your damages.
