No Fault Insurance--a complicated lesson

I don't know about you, but this no-fault insurance is very complicated to me. I
will give you in this posting my layman's understanding and also from
experience. But my advice to you is that as soon as you are in an accident that
Involves an automobile, you should quickly find an accident lawyer to help you
with all the paperwork, phone calls etc. And when I said automobile accident,
did you know that if you are a Pedestrian or riding a bicycle, you are also
eligible for the no-fault insurance to cover some of your medical expenses? It is a state insurance or at least something that has come under state law. The first bout of coverage comes from the no-fault insurance
that has something to do with the automobile driver's insurance, the person who hit you. It seems that this can vary by state and what kind of insurance coverage he has etc. So it's not always clear if you get the no fault insurance or how much. As I understand it the lawyer has 45 days from accident to submit the application, which the patient (you) or person seems that this can vary by state and what kind of insurance coverage he has
etc. So it's not always clear if you get the no fault insurance or how much. As I understand it the
lawyer has 45 days from accident to submit the application, which the patient (you) or person with
power of attorney has to sign. This Has to be submitted by that deadline along with at least one bill.
Tricky thing is a lot of the hospitals don't send out a bill and
it's not necessarily easy to get your hands on one until they go through their
monthly billing. Also they tend to send this to your house, and like me you may not be
there. Fortunately for us the ambulance submitted its bill right away. Friends
are picking up my mail and even had to fax the bill to me. I was also
expecting an application regarding the no-fault, but it has not yet arrived. Fortunately my lawyer had a generic copy. Also fortunately my hotel is very good about faxing and copying, So this morning I was busy faxing, phoning, Fortunately my lawyer had a generic copy. Also fortunately my hotel is very good
about faxing and copying, So this morning I was busy faxing, phoning, you name it.
(Now you might get a bit of an idea why I don't always have time to answer my phone.) But this is not all. In a situation where this could go on for quite
some time and become quite costly, the no-fault can become exhausted. Then you
can either take no-fault from your own drivers insurance, if you have some??? not sure how that works but
that will involve more forms that need to be filled out by a deadline. If you don't use your no-fault insurance it will then default to your personal insurance. Hopefully that will cover all of it. But I guess if it doesn't and one runs out of money, one then has to get into the Medicaid system. Welcome to America. And you're supposed to do all of this while you're either in the hospital under medication or frazzled like me. A lawyer is of immense help. If you don't use your no-fault insurance it will then default to your
personal insurance. Hopefully that will cover all of it. But I guess if it
doesn't and one runs out of money, one then has to get into the Medicaid system.Welcome to America. And you're supposed to do all of this while you're either in the hospital under
medication or frazzled like me.A lawyer is of immense help.
In summary there is it in order, I think:the other person's no faultthe patient's no fault from his/her auto insurancethe patient's personal insuranceand if all this exhausted, Medicaid So my advice is, if you're ever involved in an accident that has anything to do
with an automobile even if you are hit by one, get yourself an
accident attorney on contingency, or talk to the social worker at the hospital where you are.
They know about a lot of these issues on some level.