"No-Fault" does not mean the end of claims and lawsuits. Sometimes insurance companies will dispute paying No-Fault benefits. In this situation, you may need to pursue an arbitration against the insurance company (usually your own) to clarify the obligations of each party. In addition, you may need to file a claim against the insurance company of the person responsible for the accident. This happens when damages are more serious as a result of any of one the following:
If the person responsible for your accident is uninsured, the lawsuit or claim may need to be filed against the uninsured motorist coverage on your own policy.
- Permanent injury or disfigurement;
- More than $4,000 in medical expenses; and,
- Disability lasting for more than 60 days.