Car accidents are frightening and stressful events, especially when it comes to figuring out who is at fault. While it can be difficult to determine responsibility for a car accident, it’s essential to establish fault to resolve the car insurance claims that may be made after an accident.
Knowing who’s responsible for the accident can help you, and your insurance company determines who should be responsible for covering the damages related to the incident. No-fault accidents can be a confusing and frustrating experience, especially in the state of Maryland, as it’s an at-fault state, which means it allows drivers to sue the other for compensation after a car crash.
When a fault is determined in a car accident, it’s typically based on the driver’s actions, such as speeding, failing to yield, or driving under the influence of drugs or alcohol. Additionally, the conditions of the roadway, the weather, and other factors may be taken into consideration when determining fault.
Fault vs. No-Fault States Car Accidents
When it comes to car accidents, there are two types of states: fault (tort) and no-fault states. The main difference between the two is how fault for the accident is determined and who pays for the damages.
In fault states, the party who is found to be responsible for the accident is liable for any resulting damages. This means that if you are in a car accident, the other driver (or their insurance company) will be responsible for paying for your medical bills, car repairs, and any other associated costs. In many fault states, a person may also be able to sue the other driver for pain and suffering.
In no-fault states, each driver’s insurance company pays for their own policyholder’s medical bills and car repairs, regardless of who is at fault for the accident. This means that if you are in an accident, your insurance company will pay for your medical bills and car repairs, and the other driver’s insurance company will pay for theirs. No-fault states also limit the amount of money you can sue the other driver for, and in some states, you may not be able to sue at all.
What Happens When a No-Fault Accident Occurs in a No-Fault State?
First and foremost, it’s important to understand that even in a no-fault state, blame is still assigned to one driver or the other. However, the main difference is who pays for medical costs. In a no-fault state, all drivers are required to carry PIP coverage (in addition to basic liability insurance). This coverage pays for medical expenses and lost wages regardless of who caused the accident.
When a no-fault accident occurs, the first step is to contact your insurance company and report the accident. They will typically send an adjuster to assess the damage and determine who is at fault. Your insurance company will then cover your medical expenses and lost wages up to the limits of your PIP coverage. With that in mind, the states that require no-fault insurance include the following:
- Florida
- Hawaii
- Kansas
- Kentucky
- Massachusetts
- Michigan
- Minnesota
- New Jersey
- New York
- North Dakota
- Pennsylvania
- Utah
No-fault accidents can be complicated and time-consuming to deal with. If you have been in a no-fault accident, it is important to contact your insurance company and an experienced attorney, who can help you navigate the process and ensure that you receive the compensation you deserve, especially if the accident occurred in an at-fault state like Maryland.
The Bottom Line: The Importance of Working with an Accident Lawyer in Maryland
When it comes to navigating the complexities of an accident claim in Maryland, it’s essential to work with an experienced accident lawyer.
Remember, Maryland is an “at-fault” state, meaning that the person who is deemed responsible for causing an accident is typically held liable for any resulting damages. An experienced accident lawyer can help you understand the legal process and ensure that your rights are protected.
If you’ve been injured in an accident in Maryland, don’t hesitate to contact Waldorf Injury Lawyers. Our auto accident attornies aim to provide the personalized attention you deserve and fight to get you the compensation you need. Contact us today to schedule a free consultation!
