7. No-Fault Insurance Flashcards Preview

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Flashcards in 7. No-Fault Insurance Deck (8)
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1

Three things to determine in no-fault insurance

1. When you are entitled to collect no-fault insurance

2. What you get

3. When you are allowed to litigate, despite the no-fault law

2

In order to collect under no-fault insurance, one must be:

1. The carrier of the insurance,

2. any other authorized driver of his car

3. Any passenger in the car

4. Any pedestrians hit by the car

3

People disqualified from collecting under no-fault

1. Drunk drivers 2. Drag racers 3. Car thieves, or other fleeing felons

4

What does No-Fault insurance cover?

1. All medical expenses

2. Lost wages up to $2,000 a month for three years

3. Supplemental expenses up to $25 a day (lawnmowing, maid, etc.)

5

Can No-Fault insurance cover pain/suffering?

No

6

When are you allowed to litigate, despite the no-fault law?

1. If you have injuries that exceed “basic economic loss”

2. If you suffer a “serious injury”

7

Basic Economic Loss

More than $50,000 (Add medical expenses + Lost wages for 1 year + Misc. Expenses for 1 year)

8

Serious Injury

1. Death

2. Dismemberment

3. Serious disfigurement

4. A fracture

5. Loss of a fetus

6. Permanent loss of the use of a bodily organ or bodily member

7. Permanent consequential limitation of the use of a bodily organ or bodily member