You need to carry PIP if you live in
a no fault state where the ability to sue for damages is minimal.
However, if you live in a no -
fault state where each driver pays for damages to her own vehicle regardless of fault, full coverage is much more important.
Most drivers who carry this coverage do so in
no fault states where PIP is required.
Not exact matches
If the federal and
state governments come in and slap new regulations and oversight on these companies, it's their own
fault for practicing elitist arrogance in an attempt to shape a specific narrative that damages the very fabric of a society
where the first amendment to the United
States Constitution guarantees the rights of free expression and free speech.
If the federal and
state governments come in and slap new regulations and oversight on these companies, it's their own
fault for practicing elitist arrogance in an attempt to shape a specific narrative that damages the very fabric of a society
where the
States also now offer a no -
fault divorce option,
where both you and your spouse agree to disagree, in essence.
Since the Scaffold Law holds contractors and property owners 100 percent responsible even if they were only 1 percent at
fault, most insurers will not write policies in New York — the only
state where this law exists.
And the
state is the regulator of the city's system, so it's the
state's job to review and regulate, and
where they find
fault they make it public, and that is the dynamic, you know?»
As Roger Short of the University of Melbourne writes in the introduction, «The inexorable increase in human numbers is exhausting conventional energy supplies, accelerating environmental pollution and global warming, and providing an increasing number of failed
states where civil unrest prevails,» among other
faults.
If your
state follows a tort system
where the at -
fault driver's insurance pays for all damages, full coverage is not always necessary as long as the other driver is at
fault.
* See Boxer breed standard,
where it
states:
Faults: Colour: Boxers with white or black ground colour, or entirely white or black or any other colour than fawn or brindle.
Yet the American
state of Oregon,
where more than a thousand schools are already known to be similarly vulnerable when the great Cascadia
fault off the Northwest Coast next heaves, still lags terribly in speeding investments in retrofitting.
So, it doesn't matter that you are out - of -
state, it's
where the accident occurred and
where the defendant or the at
fault party is located.
Tennessee grants both no -
fault and at -
fault divorces to couple
where at least one member has lived in the
state for a minimum of six months.
Hopefully, any of the balanced scholarly looks will (a) acknowledge that these lethal injection cases in federal courts should be dealt with swiftly, as the Supreme Court has said that when stays in capital cases are issued, the issues need to be resolved expeditiously, (b) acknowledge that some of the legal reasoning in some of the cases lacks, e.g., Fogel's constitutionalization of the wattage of a light bulb or Frost's use of cases
where a party has engaged in sharp dealings to analyze Ohio's «
fault» in filing an interlocutory appeal and (c) examine whether the burden of proof has been subtly shifted from the prisoner to the
state in these cases.
Car accident victims commonly don't know
where to start when they need compensation for personal injuries, medical bills, lost wages and property damage following an accident, especially in a
state like Florida that utilizes a «no
fault» insurance law.
States using a comparative negligence system assign a percentage of fault to each party, and this is where it breaks into three schools of thought because states like to make things compli
States using a comparative negligence system assign a percentage of
fault to each party, and this is
where it breaks into three schools of thought because
states like to make things compli
states like to make things complicated:
Some
states do not award alimony unless there is some form of wrongful conduct and those are often times only seen in
fault divorces,
where one spouse can prove something like abandonment, financial abuse, addiction, physical abuse, adultery, child abuse, etc. most
states, now, are no
fault, and if alimony is available it's often only rehabilitative.
When none of those situations exist, (
where one person is clearly at
fault for so malicious or willful action) in no
fault states alimony is automatically awarded after a certain terms marriage.
Massachusetts is a comparative negligence
state where your degree of
fault can not exceed 50 % to be able to recover any compensation for your injury.
There are many cases
where the residential or commercial property owner, or local, city,
state or federal government entity is 100 % at
fault.
Other
states have systems
where fault is apportioned on a percentage basis, and most of those prevent drivers from recovering damages if they're more than 50 percent to blame.
Especially if the motorcyclist was exceeding the speed limit or lane - splitting (which is legal in the
state of California) the police officer may attribute
fault to the biker
where none exists.
If you are in a
state such as Michigan,
where no
fault insurance law covers medical treatment necessitated by an automobile accident, and don't seek medical care, you may later find that you are unable to obtain «no
fault» benefits for your injuries - your insurance company may argue that your injuries arose from something that happened after the accident.
In some
states, any
fault assignable to you means you lose, but in California they follow the pure comparative
fault rule,
where your portion of the liability is deducted from an award (but you can still collect something if it was 99 % your
fault).
According to the Florida Department of Highway Safety and Motor Vehicles, the benefits that come with this choice is that your
state car insurance rates can not go up and your policy can not be cancelled due to this violation if you choose this method in which to take care of it, unless you were involved a crash
where you were at
fault.
However, this applies in
states where there's «no
fault» coverage, meaning that your injuries and those of people in your car are covered by your insurance policy, regardless of who caused the accident.
Some
states still have a traditional tort system, and some use a «no -
fault» system,
where personal injury protection or other coverages may be necessary.
In some
states,
where No -
Fault insurance is the legal requirement, your insurance company is responsible for you and your property regardless of who is at
fault.
This contrasts with the processes in a no -
fault state, like New Jersey,
where the injured person must exhaust his own policy limits before pursuing a claim with the other party's insurer.
Sometimes called «no -
fault insurance,»
where it is available may depend on whether your
state is considered a no -
fault insurance
state.
If you are in a car accident
where someone is seriously injured or an expensive vehicle is destroyed and you are determined to be at
fault, the expenses could easily exceed the minimal amount of insurance the
state requires you to have.
In a «no -
fault» situation,
states set up auto insurance policies
where instead of going after the at
fault driver, the victim simply collects from his or her own insurer.
Most people know whether they live in a
state where there are «no -
fault laws» in place.
Most people seem to be proud of the 33 - year history in Michigan's no -
fault insurance,
where people of all ranks were assured of
state - of - the - art coverage in the event they are involved in a catastrophic accident that may change their lives forever.
As with most no -
fault state there are exceptions
where the cost of medical car for a person injured during an accident.
Liability coverage, required by law in most
states, covers the other driver's personal injury and property damage in a crash
where you're found to be at
fault.
• Uninsured / underinsured motorists coverage (IF REQUIRED IN YOUR
STATE): Covers the costs of injuries and damages if you or one of your employees are in an accident
where another driver is at
fault, but that driver does not have enough coverage to pay for your injuries and property damage.
In a
state where fault is almost never assigned, everyone is responsible for his own medical or funeral expenses, regardless of who is at
fault.
Boat insurance is not considered a no -
fault type of coverage, except in select
states where no -
fault insurance is the standard for all vehicles.
In
states where subrogation against a renters insurance policy is not generally allowed, the trend is towards a no -
fault model.
In addition, the
state also requires $ 30,000 of «no
fault» insurance coverage,
where a car accident victim goes to their own insurer first rather than trying to get compensated through the court system.
Up until 2003, the Centennial
State was a member of the minority
where auto insurance is concerned, aligned with the 14 or so other «no -
fault»
states across the country.
For the record, the minimum required insurance is better than no insurance — especially in a
state where you're going to be held liable for expenses if you're found to be at
fault, and
where penalties for uninsured motorists include escalating fines up to $ 1,000, as well as the potential suspension of your license and registration.
If you live in one of the handful of «no -
fault»
states -
where no -
fault car insurance is mandatory for standard vehicles - you may notice that medical payments coverage is very similar to personal injury protection (PIP) coverage.
Some
states use certain forms of a relative
fault scheme
where different drivers can both be found at
fault to degrees and thus held fractionally responsible for the financial damages incurred in the accident.
Uninsured motorist coverage is not required by the
state, but it can provide the extra security provided by knowing that damages will be covered even if you are in an accident
where the at -
fault driver has no insurance
Some
states require uninsured / underinsured motorist coverage for all vehicles, but other
states leave that up to the car owner, while still other
states use no -
fault insurance
where this type of coverage is automatically calculated into the policy.
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The availability and usefulness of filing for a
fault - based divorce is highly dependent on the laws of the
state where you live.