A motor vehicle accident can have a devastating impact on you and your family. If you or a loved one has been injured, contact our firm to schedule a consultation with an experienced personal injury attorney.
Accurately Assessing Your Personal Injury Case
If you've been injured in an auto accident, you likely have immediate practical concerns that need to be addressed. Talking to an experienced personal injury attorney can help you learn what legal rights you have and ways to address those needs.
I'm attorney Richard Tallo, an experienced Rhode Island trial lawyer. I have helped many clients obtain fair compensation for their motor vehicle accident injuries.
Below is some general information about auto accidents and personal injury law. For a free evaluation of the specific facts of your case, contact me at my offices in Providence. I will charge no attorneys fees unless I am successful at helping you get compensation for your injuries.
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I have been practicing law in Rhode Island for more than 35 years, and as a solo attorney, I personally handle all aspects of every case I take. Contact me to discuss your case.
Auto accidents can cause extremely serious and traumatic injuries, including brain and spine injuries. In some cases, these injuries are fatal. I am experienced at getting fair compensation for seriously injured people and the families of those who have been killed.
No-Fault Insurance
When a driver has been in an accident, no-fault auto insurance allows the driver to collect from his or her insurance company no matter who was at fault. Not every state has a no-fault insurance structure, but those that do have very specific laws governing when, how much and for how long the injured party may collect. Consult with an attorney from Law Offices of Richard C. Tallo in Providence, Rhode Island, to discuss how your state views fault and to determine how the laws may affect your right to recover damages for injuries.
How No-Fault Insurance Works
No-fault insurance is a system in which auto insurance pays benefits the insured driver in case of an accident. The insurance compensates the insured driver for monetary losses, no matter who was at fault. This is contrary to systems in which the at-fault driver’s insurance company must pay the bulk of the compensation after an investigation and determination of fault by the insurance companies or the courts.
The system is designed to streamline the process of payments to injured people and to lower the burden on the courts. Under the no-fault insurance system, it can be more difficult to sue an at-fault driver for damages; the insured typically must have been quite seriously injured in order to take such legal action. On the other hand, monetary recovery for the insured is more certain under no-fault insurance because the compensation is immediately available through the insurance policy of the injured party. No-fault insurance policies often have a cap on the compensation they will pay.
The no-fault insurance system prevents injured parties from receiving a windfall due to the accident, but it also ensures compensation no matter who caused the accident. In a no-fault state, the other driver will also receive compensation from his or her insurance company if that driver sustained certain economic losses. The specifics of no-fault insurance laws vary widely by state.
Personal Injury Protection (PIP)
If you have a no-fault insurance policy, it is probably called a personal injury protection (PIP) package. PIP insurance pays for the medical expenses of the insured driver and the passengers who were injured in an auto accident. PIP insurance typically covers things like medical bills, wage loss and funeral expenses, but not pain and suffering or vehicle damage. This varies by state and particular insurance policy. The PIP packages have limits on what they will pay.
Speak with an Attorney
How you handle the situation after a motor vehicle accident can make a significant difference in your monetary recovery. Dealing with insurance companies can be especially tricky. In addition, the no-fault and fault insurance systems vary widely by state. Speaking with an attorney from Law Offices of Richard C. Tallo in Providence, Rhode Island, will help to clear up the confusion these systems can cause.
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