By Asif L Shaikh

Many people assume that a no fault insurance policy will pay for all their injury damages, regardless of who was at fault for their accident. However, this is not true. A no fault insurance policy will only pay for your injuries up to your policy limit. This means that you may have to pay for the remaining cost out of your own pocket. Considering the high cost of medical treatments, this can be a costly problem for most people.

Fortunately, every no fault state allows the driver to be compensated for their injuries by starting an auto insurance claim.

However, before you start your insurance claim, you must first meet your state’s requirements.

Requirements to Start Insurance Claims in No-Fault States

Every no fault state has slightly different requirements to start a car accident injury claim. Some states have a “cash threshold”. This means that in order to launch a claim, the cost of treating your injuries must exceed a specific cash amount.

Other no fault states have an “injury threshold”. This means that you can start a personal injury claim only if your injuries are “serious”. Every no fault state has a slightly different definition of what it considers a “serious” injury.

Several states have both an injury and cash threshold. This means that if you cross one threshold, whether the cash or injury, you can start your injury claim.

Example

Massachusetts is a no fault state that has both a cash and injury threshold. The cash threshold for Massachusetts is $500. This means that in order for you to file an insurance claim, your total medical expenses must be greater than $500. Otherwise you will have to pay for the costs out of your own pocket.

To see if you have reached your state’s cash threshold, you should add up all your medical costs after the auto accident. This includes:

* Ambulance Costs
* Hospital Bills
* Clinic Cost
* Doctor’s Visit
* Lab and Testing fees
* Physical therapy

Since Massachusetts also has an injury threshold, you should read up on what the state considers a “serious injury”. Most no fault state’s consider the following injuries as being “serious”:

* Injuries that are permanent or result in serious disfigurement
* Fractured bones
* Injuries that cause significant loss of hearing or sight

If your injuries fall within your state’s “serious” category, you will be able to start your insurance claim to receive your personal injury settlements.

Learn how to get money from your car accident insurance claims

Asif L Shaikh offers expert advice on how to get money from car accident claims and personal injury settlements

Article Source: http://EzineArticles.com/?expert=Asif_L_Shaikh