No-Fault Insurance

Question 1

Does the no-fault insurance apply to property damage?

Answer 1

NO

Question 2

If an auto owner has no-fault insurance who can claim under the police? Who cannot claim?

Answer 2

CAN

1) owner of car
2) authorized driver of car
3) passenger of car
4) pedestrian hit by car

CANNOT

1) drunk drivers
2) car thieves or fleeing felons
3) drag racers

Question 3

What is recovered from no-fault insurance?

Answer 3

1) all medical expenses
2) lost wages (up to $2,000 per month for 3 years)
3) misc recovery of $25 per day

NO pain and suffering damages

Question 4

When may one covered by no-fault insurance still sue in tort?

Answer 4

1) damages in excess of basic economic loss (out of pocket expenses over $50,000, requires approx $17,000 in medical bills)
2) serious injury (death, dismemberment, serious disfigurement, a fracture, loss of a fetus, permanent loss of use of a bodily organ or member, permanent limitation of use of organ or member)

Question 5

Are no-fault recovery and suit mutually exclusive?

Answer 5

NO. Can get both, subject to some modifications to prevent double recovery.