 Faultless Car Accidents - Things
To Know
Author: Paul Hood
Anyone who has been involved in a vehicular accident, regardless
of fault, can avail of No-Fault Benefits which would include compensation
for wage lost, medical expenses and a replacement vehicle. It is
also termed as Personal Injury Protection Benefit or PIP. Certain
states like Minnesota have enacted laws requiring vehicle owners
to have no-fault coverage as part of their automobile insurance
coverage.
Moreover, Minnesota also encourages vehicle owners to have at least
a minimum no-fault policy which will disburse $20,000 for an individual’s
medical coverage and another $20,000 to cover other losses.
As a rule of thumb, in cases of vehicular accidents, it is imperative
that you get in touch with your automobile insurance agent to report
the accident. Your agent will furnish you an application for no-fault
benefits if you sustain injuries. These benefits may include wage
loss, medical expenses, mileage and replacement services and other
economic damages.
Conditions for a claimant to be qualified:
- Medical expenses of $4,000 or more.
- Some or all of the injuries are permanent.
- A permanent scar and/or disfigurement.
- The injury results in disability for 60 days or more.
- Death. If the victim dies as a result of someone else's negligence,
the family has a wrongful death claim.
Medical expenses that will be covered by No Fault are those medical
expenses that are reasonable and necessary are covered. Often, this
definition may exclude experimental treatments or holistic treatments.
Minnesota Statutes § 65B.44 specifically includes as necessary
the following:
- medical, surgical, x-ray, optical, dental, chiropractic, and
rehabilitative services, including prosthetic devices
- prescription drug;
- ambulance and all other transportation expenses incurred in traveling
to receive other covered medical expense benefits;
- sign interpreting and language translation services, other than
such services provided by a family member of the patient, related
to the receipt of medical, surgical, x-ray, optical, dental, chiropractic,
hospital, extended care, nursing, and rehabilitative services; and
- hospital, extended care, and nursing services. (Hospital room
and board benefits may be limited, except for intensive care facilities,
to the regular daily semiprivate room rates customarily charged
by the institution in which the recipient of benefits is confined.)
- Benefits also include necessary remedial treatment and services
recognized and permitted under the laws of this state for an injured
person who relies upon spiritual means through prayer alone for
healing in accordance with that person's religious beliefs. * Medical
expense loss includes medical expenses accrued prior to the death
of a person notwithstanding the fact that benefits are paid or payable
to the decedent's survivors.
Before any wage loss claim will be paid by your insurer, you must
provide:
- A doctor's disability slip (permission to miss work) must be
presented to your No-fault insurance adjuster in order for you to
receive wage loss benefits, AND
- Proof of wage loss from your employer on a form available from
your insurance adjuster.
Mileage claims under No Fault?
If you are injured, No Fault benefits will also repay you for any
"reasonable" mileage expenses incurred for transportation
to and from your medical provider
About the Author
Reading is an essential part of his life and this has lent a considerable
influence in his writing. He loves learning more about people and
their ways. Always ready for new opportunities to learn and have
a great deal of interest in different fields of expertise.
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