Car Insurance First of all everybody needs to have car insurance. It is required by law in every state except for Wisconsin, New Hampshire, and Florida. Despite the fact that you are not required to have insurance you will wish you did if you are involved in a car accident because with all the costs associated to an accident you can very easily go broke or amass debt. Rules regarding car insurance differ from state to state. States such as Minnesota, North Dakota, Michigan, Florida and New York are "No-Fault" insurance states. This means that each driver's insurance covers that driver no matter who is responsible for an accident. Therefore there is a Personal Injury Protection policy in these states to cover medical expenses for drivers regardless of who is at fault for an accident. Who Is Covered? Generally speaking, auto insurance covers the owner of the policy and any trouble they would get into in a car they are driving. It will cover you and your car when you are driving. It generally will cover you and cover the vehicle if you are driving a car that is not yours, but that you have permission to be driving. This may include a rental car or a car you borrow from a friend or family member. If you are a passenger in a vehicle that is in an accident you should be covered by your own insurance in a no-fault state. If you are in an at fault state then the at-fault driver's insurance will be responsible. If you are a passenger in a vehicle involved in an accident then you might also be covered by the insurance of the person whose vehicle you were riding in. If you live in an at-fault state when an accident occurs the insurance for the at-fault driver has to cover the costs of both drivers. If you want to add another person to your insurance policy you will have to speak to your insurance company about getting them coverage and your rates will increase. Keep Track of Medical Bills It is important to keep a record of your medical bills and inform your insurance company as soon as possible. In no-fault states your insurance company is required to pay your medical bills. Insurance companies have to pay for any treatment that your doctor says is necessary. If insurance companies aren't informed of treatments they may try not to pay for them. Because of this it is very important to keep your insurance company updated on your medical treatment as quickly and as thoroughly as possible. An insurance company may dispute your physician and require you visit their doctor to confirm that the treatment is necessary. Based on the examination they may continue or deny further medical coverage. If you are denied medical coverage you need to consult a personal injury attorney as soon as possible to make sure that the insurance company pays your medical costs and that you aren't stuck paying them out of pocket. Hiring a Personal Injury Attorney Following an auto accident insurance companies may be hesitant to pay medical costs, if they deny you coverage and you live an a no-fault insurance state, or have a policy with PIP, you need to contact an experienced personal injury attorney right away. They will deal with the insurance companies, medical professionals, hospitals and billing agencies to help defer payments until they can settle with the insurance company. This assures that you will have your medical bills covered and that you won't be penalized for late payments. If you have been in a car accident and have medical bills that need to be covered you should hire an experienced and dedicated personal injury attorney.
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