Motor Vehicle Accidents (MVA)

Question 1

Do states require motor-vehicle insurance?

Answer 1

Yes. States require motor-vehicel insurance with varying liability limits.

Question 2

What about a no-fault state?

Answer 2

About 12 states have MVA no-fault acts. All retain some negligence liability in certain situations.

Question 3

What do the no-fault acts do?

Answer 3

No-fault acts typically bar liability claims for vehicle damage and minor injuries, allowing negligence claims only for a threshold injury such as serious impairment, permanent serious disfigurement, or death.

Question 4

What issues accompany no-fault 1st party benefits?

Answer 4

First-party no fault benefits typically include coordinated medical-expense coverage and limited work-loss and replacement service expense benefits.

Question 5

What issues accompany no fault in general?

Answer 5

First-party claims against one’s own motor vehicle insurer involve issues of coverage, exclusions, priority, beneifts, setoffs, and valuation.

Question 6

Where do no-fault first party claims look for compensation?

Answer 6

In no-fault states, those suffering damage from motor-vehicle accidents first look to their own MV insurers for 1st party benefits.

Question 7

What about uninsured coverage?

Answer 7

MV insurance often includes UM/UIM coverage for liability claims where there is insufficient or non-existent insurance.