It may be a good thing to take out a no-fault car insurance but it is good till the time you do not get seriously injured in a car accident. Actually, the no-fault car insurance was initially designed and adopted to lower the insurance premiums as well as to make the claim payments quicker in case of an accident. However, strangely, the no-fault system in some nations has the highest average premiums. But, most importantly, it turns out to be a menace only after an accident. This is the time you will need the expertise of an Injury Lawyer in Fergus to deal with the situation properly.

The way it works

The no-fault insurance is so called because it sets aside the fault factor in an accident initially and focuses on addressing the damages and injuries instead. Each insurance company typically pays for the claim for damages for the insured driver. In such case ideally there is no need to wait for a decision on fault or for a court award to receive the claims for the damages. If the other diver is found to be at fault eventually then your insurance company will waive your deductible which is the up-front costs you pay before insurance kicks in. so far it is good and you may not need an Injury Lawyer in Fergus to help.

In case of an injury

In case there is an injury in a car accident, according to the rule, each insurance company of each of the drivers involved in the accident will be covered. In these situations, as well, there is no need of any Injury Lawyer in Fergus or for a fault determination or a court award. The injured party will receive reimbursements as per their coverages for all ongoing medical treatments, rehabilitation and even the cost of a caregiver, if one is needed that is. The amount is paid to the injured parties as and when the treatment expenses are incurred and up to the amount set according to a regime negotiated between the provincial government and the insurance companies.

Realities in serious cases

In case of serious injuries, the no-Fault realities may be different. You may lose if you are seriously injured in an accident caused by the negligence and recklessness of someone else. It is actually a roll of the dice: you win if you are not seriously injured and you lose if you are. This is because the no-fault jurisdictions limit the amounts recoverable strictly from the insurance company. You also lose because there is a massive deductible on court awards in terms of pain and sufferings which the Injury Lawyer in Fergus cannot help but abide by.

Hire a lawyer

The long and short of the story is that you will need to hire a competent and experienced injury lawyer if you are seriously injured. More injured you are, more help you will need because the no-fault insurance will work against you more. The first-rate injury lawyer will help you navigate through the complex and confusing no-fault system so that you achieve the best results as allowed by the law. Visit Here: EBPC Personal Injury Lawyer