Many people have heard the term “no-fault insurance.” However, do you understand what that actually means? In brief, a no-fault insurance system is an auto insurance policy required by state law in which each driver purchases auto insurance that protects him or her and boundaries his or her capability to sue other drivers for damages while also protecting him or her from being sued for damages by the other drivers in most cases.
Therefore, if you are involved in an auto accident, your insurance company will pay your damages, up to your policy boundaries, regardless who was at fault. These boundaries must meet your state’s minimum coverage if your state is a “no-fault” state. The other drivers involved in the accident would be covered by their insurance policies. The theory behind this system is to ensure every motorist would receive instant coverage for damages, thereby reducing the law suits resulting from an accident. This would, in turn, help keep insurance premiums down.
Private Injury Protection:
Individual Injury Protection is a form of car insurance that is designed to compensate for an injured person’s bills, specifically things like medical bills and fees incurred as a result of a car accident. Individual Injury Protection (also called PIP) sometimes will also cover things like a person’s lost wages due to their inability to work as a result of a car accident, and any other damages associated with an automobile accident. A lot of Private Injury Protection policies even compensate for funeral costs as well as ache and suffering. The excellent thing about PIP is that it is “no-fault” insurance coverage. This means it covers not only the person who is insured but also other people in the insured party’s vehicle at the time of the accident, as well as any people hit by the insured person’s vehicle. It is designed to pay out to an injured person regardless of who caused the accident or which driver wields policy with that coverage. Another good thing about Individual Injury Protection being no-fault is that the person possessing the Individual Injury Protection will not have their insurance premiums enlargened should they need to file a Private Injury Protection claim. Individual Injury Protection is only available in some states. But a lot of the states that do not suggest PIP do suggest Auto Medical Payments coverage (also called AMP). Some states have both PIP and AMP.
If your employer has a ‘non-owned auto’ policy does it protect you while running business errands in your individual car or just protect the employer?
Non-owned auto coverage protects your company in the event your company is sued as a result of an auto accident that you or one of the employees has in a individual vehicle while on company business. This coverage DOES NOT protect you or the employee personally. Usually an employee’s individual auto policy will provide insurance to the employee, however, some individual auto policies now exclude business use. You must make sure that your boundaries are high enough to cover you personally, if an accident should occur. If you do not have a private auto policy, and are covered solely by the business auto policy, you must ensure that the company’s auto policy has the “Drive Other Car” coverage endorsement. This endorsement would provide coverage to the employee PERSONALLY, not just the company.
Can you make a claim on your Individual Injury Protection if you had an accident in an auto that has no PIP if your other auto on the same policy does?
Yes, I think you can, (subject to state laws and policy exclusions), turn the claim in for the reaction.
In the event of a claim would medical payments or private injury protection cover the loss very first?
That might depend on the cause of the injury and the type of injury. If the car was not moving when the injury occured (ram your forearm in the door) then Medical Payments coverage would apply and not PIP. If the injury was a result of an accident then Medical Payments wouldn’t come in to play. The exception might be in the case of a death in which Medical Payments coverage can apply to funeral expenses. Laws and policies will vary by state.
Can Person Injury Protection coverage be denied to the passenger if the driver of the vehicle was an excluded under the policy?
The passenger must very first look to his or her own PIP (or no-fault) coverage for medical/wage loss/replacement services coverage. If the passenger does not have insurance then he or she looks to his or her household: does the passenger live with someone with auto insurance? If yes, then the passenger is covered by the resident relative’s PIP. .
The driver’s insured status does not dictate the passenger’s status. However, if the driver is “an excluded” – I take it you mean he or she was not named on the policy as a driver – the passenger may have difficulty bringing a liability claim..
Did the driver have the proprietor’s permission to use the vehicle? If so, then he or she would be covered as a permissive user. However, if the driver was a youthfull driver resident of a household – a kid using mom and dad’s car – and the parents did not tell the insurance company there was a chance the kid would use the car – then you may run into coverage problems. Sometimes people attempt to save money by not listing a youthful driver on the policy. The insurance company can deny coverage in that example.
Can you be sued personally for someone’s injuries sustained in an auto accident if you were at work driving a company vehicle?
Yes, you would be sued both as an employee (meaning your employert would be sued) and you would be sued personally. This is because it is possible that whatever you were doing might be considered outside the svope of your employment, thereby possibly letting the employer off the hook with you being the foot defendant. That would be standard practice in any such case. Plaintiff sues you and your employer and gets both the employer’s and your insurance companies in the case and gets a better chance at getting a settlement because each company mgiht agree to pay half of the damages instead of having only one to foot the entire bill. Plus, even if plaintiff does not sue you, the employer might bring you into the case as a third-party defendant claiming that you were the real one at fault.
What if an employee is struck very first and strikes back to defend himself causing injury to the person who began it Then the person who was protecting himself is charged with a crime and is compelled to l?
becuase you are defending yourself so that woun’t doing a crime.
not at all..
Who is protected under part A of a Private auto Policy?
Coverage A – Liability.
This pays damages to bodily injury and property harm to others for which you are responsible..
For example, say you have coverages 100/300/100.
The very first number 100K, represents how much your insurance will pay per person injured. .
The 2nd number 300K, represents the aggregate amout you would be covered per incident for bodily injury. .
In other words you would be covered 100K per person not exceeding 300K per incident..
The third number 100K, represents what you are covered for any property harm you may cause.
Individual Injury occurred after auto accident The person who caused it is insured through same insurance company as mine How do you seek resoulution for injury?
You would need to consult a lawyer to determine potential settlement. Some lawyers give free case evaluations
What can happen if after an At Fault accident the auto is totaled and you choose to cancel the insurance because you will not drive again and there are private injury claims not lodged?
If you were insured at the time of the accident, your insurance should pay up to the amount stated on your policy. It does not matter if you still have the insurance now. It is significant that you had it on the daye of the accident.
Can I sue for individual injury if my injuries are major?
It is not whether the injuries are major that determines whether or not you can sue. You can sue only if the injuries were caused by the negligence of another person. If negligence occurred , you can sue even if the injuries were minor, albeit your recovery in damages would be as minor as your injuries. If this is an auto accident matter, some states have laws that state that you cannot sue unless you do have major injuries even if there were no negligence. Check the laws of the state the accident occurred in to get decent information.
Rear ended in California with a lapse in auto insurance is the person that hit you still responsible for medical injuries?
I am not familiar with California laws but… In 99% of cases, the person who rear-end’s you is at fault. If the other person is at fault, they are liable for damages and medical injuries. The fact that you are not insured does not make the at fault driver not responsible for damages and injuries that he or she causes.
How are the brain and spinal cord protected from injury?
The brain and spinal cord are protected from injury by the skull and vertebral column. Around the brain and spinal cord, is a fluid called cerebral spinal fluid which cusions the brain and spinal cord against minor injuries, and from bruising against the scull and vertebral column.
What protects the brain from injury?
The skull, the dura mater, and the fluid within the skull cavitythat helps to cushion the brain. A helmet helps protect the brainin various sports.
How does a fish protects its self from injury?
Well, i am not fairly sure how to awnser it… well i do have 30 fish in my aquarium. But when i went to clean my fish tank one day i fortunately caught some of my fish in my net to take then out for cleaning the tank. and when i went to put them in another big cup for a while it wasn’t moving i wonderd why. after a while i finished cleaning and put the fish back in. and that one fish that i put back in the tank. it went straight to the corner of the tank … and because there is fountains of seaweed in that corner. i couldn’t see him. and then when i did see him, half his bod looked crimson… a wonderd why… then i eyed a cut on him… i put him in a separate tank after that. and went to the place i got that fish from and they told me that i had to bring him back to where i got him from for a while and then come back for him. after a few months i went back for him and he looked fine.. they asked me how i got him out of the fish tank… and i said by a net. then asked me if it was old.and i said yes. and then they said to me that it was probbably the net that seemd dangerouse to the fish for some odd reason. the fishing net must of had something sticking out of it. and that is what made the cut on the fish. so… if your fish has an injury… it always goes into seaweed or under a rock or to the corner of the tank to protect itself from other fish. and trust me it was frightened the next time i took it out its tank… wooo that was hard work!!! there you go… there’s your reaction:):D
What is Individual injury and advertising injury?
Individual and Advertising Injury Liability covers liability for a group of specifically named offenses, which don’t involve bodily injury or property harm, aren’t caused by an accident, but nonetheless are liability exposures common to most organizations.
How is the central jumpy system protected from injury?
The central jumpy system is protected By both the skull and spine. Also around the spinal cord, there is a fluid like tube that protected it.
What protects the kidneys from mechanical injury?
Your 10th, (11th, and 12th rib) mainly and the abdominal muscles in your lumbar area.
What does individual injury protection mean?
Private Injury protection, Also referred to as PIP, is very first party medical coverage on your Auto Insurance Policy for injury sustained in an auto accident.
Are private savings accoungs protected in a individual injury lawsuit?
The Injury Law Group in Pittsburgh PA specializes in individual injury lawsuits. The Injury Law Group represents all your interests including property loss of your home, investments, and business. The Injury Law Group’s website is www.injurylawgroup.org
What is statute of limitations for auto accident injuries?
It depends upon the state in which the accident occurred. In Louisiana, the statute of limitations that is commonly referred to in other states is known as the ‘period of prescription’. This is due to the fact that Louisiana operates under a Civil Law Code rather than the more widespread Common Law Code used by many other states. The period of prescription for auto accident claims in Louisiana is one-year from the occurrence. For more information on auto accident claims in Louisiana, visit the link below:
How do reflexes protect the assets from injury?
yes, reflexes are your figures natural defense against things that are dangerous. That’s why they are hard to prevent or use when you want to use them. When you burn yourself your assets tells you to budge away. Your reflexes tell your figure what is dangerous and wants you to stay away.
Why is an injury in an auto accident considered attack?
because there is indeed no way to know if you deliberately attempted to hit their car and hurt them
How is the spinal cord protected from injury?
The spinal cord is protected from injury by a surrounding ring of bone called the vertebrae. Inwards the vertebrae the cord is surrounded by a fluid called cerebral spinal fluid which also helps protect the cord against shocks
What are the concept of personality?
Personality is based on psychology and looks at patterns ofsomeone’s thoughts, and feelings. The concept can be compared tocreate the reason for these.
How does skin protect you from injury?
The skin consist of Three main layers, and because of these layers, the skin cannot let infection in. most cuts/burns etc only scrape the top layer of dead cells, if deeper it cuts into the epidermis, wish still has a resistance to infection, its only the dermis which is utterly frail to infection, hope i helped
What protects the brain from serious injury?
The skull…and the scalp, truly, are the only things that separate the brain from safety and danger. Fortunately, it’s amazingly difficult to break this barrier.
Do you have to pay taxes on a individual injury settlement from a auto accident?
Generally speaking you do not have to pay taxes on individual injury settlements. However, in certain situations where (1) all or part of the proceeds of the settlement is treated as disability income, and (Two) the premium of the policy (under which the proceeds were paid) was paid by an employer; then that part of the proceeds will be treated as a taxable ordinary income.
Things that protect the brain from injury?
the Two things that protect the brain are the skull and stuff packing the gap
Will an auto accident with no injury get a settlement?
An auto accident with no bodily injury will typically get a property settlement only. In order to receive any extra settlement including ache and suffering you would need to be able to demonstrate physical trauma via documentation provided by doctors.
If you co sign for an auto loan and the person you co signed for is in an accident can you as the co signer be liable for injuries or damages?
No, you can only be liable for the loan. If the car was totaled and did not have insurance then you can be held responsible for the balance on the loan. Any accident or damages that occurred would be the responsibility of the driver/proprietor of the vehicle. All your signature did was say that you will pay the loan if the borrower fails to do so.
How can you protect these muscles from injury?
You can protect your muscles from injury by: .
Heating up decently prior to the workout .
Spreading the muscles after the workout to ensure that they are not compressed too much .
Work out in decent form .
Stop exercising if you feel unexpected ache in your muscle.
What injuries do auto mechanic have?
Sliced fingers,Busted knuckles(when wrench slips off bolt),Burns from torches and welding,bumps on head from car lift post arms and under vehicle items(harass,trailer hitches,plow frames,ect..).Worst screenplay! Finger cut off from not paying attention.Thank god that never happened to me in over 35 years:):)
Does private injury protection on home owners policy cover lawsuits for property line disputes?
Individual Injury ProtectionNo, Individual Injury covers bodily injuries. It would not invoke over a property line dispute. ReactionA confusing question. Homeowners insurance will protect in a general sense for any negligence against an ‘insured’. The activity brought would need to meet certain criteria under the homeowners policy to trigger coverage – namely an “occurrence” causing bodily injury or property damages – property line dispute is fairly vague – if a fence building on incorrect spot for example – homeowners would coverage harm caused by improper placement of fence (landscaping repairs, etc)
What kind of skin protects your feet from injury?
There is only one type of skin that wraps your figure. The skin on your feet are not different. However, feet usually a callus (or callosity) is an especially toughened area of skin which has become relatively thick and hard in response to repeated friction, pressure, or other irritation. Pawing that is too frequent or forceful will cause blisters rather than permit calluses to form. That is usually what protect the feet of your feet.
Can a helmet protect your head from injuries?
Absolutely – it’s always a good idea to wear a helmet if you’re doing something that may cause harm to your head !
How long do you have to file a private injury lawsuit in an auto accident in Michigan?
The statute of limitations on private injury as well as injury to private property is Three years in Michigan. You should instantly seek professional counsel if you have anymore questions.
What kinds of injuries count as individual injuries?
A individual injury can include injury to the mind, bod or emotions. The most common injury are road traffic accidents and holiday accidents. Examples include a violated gam or emotional distress from an accident or event.
Why you should protect your brain from injury?
You should protect your brain from injury because your brain is THE MOST significant organ in your bod. Any harm to the brain can cause serious effects that could very well switch your life in a negative way.
How does the bone help us protect from injury?
Well your rib bones protect your lungs, heart , tummy, liver, pancreas and all the other organs inwards the ribs and your skull protects your brain. but no other bones protect you .
What will auto insurance companies usually pay to lodge a claim for two cracked ribs private injury?
No two auto claims are exactly alike and so no settlement is exactly alike. It will depend on all the factors and fault as to the accident. Who you are in relation to the policy and which policy is paying the claim. Are injuries long term or brief term. What the physicians say about future treatment or disabilties from the injuries. There are too many factors to give you a number with any accuracy at all. Sorry.
How is brain protected from injury and shock?
Brain is covered by a Trio layered membrane called meninges.In inbetween the layers of MENINGES and brain cavity fluid named CEREBRO SPINAL FLUID(CSF) is packed.The hard SKULL covers the meninges. Thus MENINGES,CSF and SKULL protects our brain for a certain extent.
What did the concept of protected rights begin with?
The concept of protected rights, such as habeas corpus (the right to a fair and speedy trial) and the rule of law (no one is above the law) began with the signing of the Magna Carta by King John in 1215
How is heart protected from injuries?
Your ribs will protect the heart from injuries by placed in front of the heart
Where would one go to process an auto accident private injury insurance claim?
One would or could go to various places. These places include the DMV, or the auto insurance company which distributes their auto insurance to claim an auto accident private injury insurance claim.
What type of lawyer would deal with an auto private injury claim?
A individual injury claims lawyer would be most likely to deal with cases involving auto individual injury claims. You can find a lawyer near you by looking in your local yellow pages.
Which companies suggest auto accident individual injury cover?
If a person has car insurance more than likely they have coverage if they are injured or injure someone else. If one is looking for it they should go to any auto insurance company to get it, like Geico, esurance, State Farm, All State, and more.
How can you find an auto injury attorney?
One can find an auto injury attorney in the newspaper in the classifieds section. Another place where you can find an auto injury lawyer would be at your local individual injury lawyer office.
Where can one get individual injury protection in the UK?
Sometimes PIP (private injury protection) is already included in your home insurance policy, so before seeking extra cover it would be wise to check any existing policies you might have to see if it is included. If not, most major insurers suggest PIP at varying rates and degrees of cover. Comparison sites such as Which?, Compare the market, etc suggest a good base to find the policy that is right for you, but recall, not all companies advertise on them so going directly to their website to see their offers will help you get the best deal.
How can you protect your self from injuries caused by rugby?
The best way is not to play rugby! However if you do play make sure that yo are as fit as possible.
What is Individual injury?
Individual injuries span a broad spectrum of accidents and otherincidents. Private injury includes : .
Motor vehicle accidents: .
Product liability accidents: .
Construction accidents: .
Slip-and-fall accidents: .
Dog bites: .
Drowning and water-related accidents: .
Food poisoning .
Sports and recreation accidentsAccidents Involving Wrongful Death and Catastrophic Injuries .
Traumatic brain injuries and head trauma .
Spinal cord trauma and back injuries .
Paralysis, quadriplegia and paraplegia .
Loss of limb and amputations .
Cracked bones and serious fractures .
First-, second- and third-degree burns .
Injuries to children