No-Fault Insurance

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.

Car and Truck Accident Attorneys in Belleville, Illinois

If you or someone you love has been injured in a car, truck or other automobile accident in Illinois or Missouri, you need to contact an experienced personal injury lawyer to provide the counsel and representation you deserve. Located in Belleville, the law firm of Ripplinger & Zimmer, L.L.C., can protect your rights and interests through dedicated legal service.

Since 1970, our firm has obtained large verdicts and settlements, including several worth more than a million dollars, for personal injury clients. Contact our firm by e-mail or by calling us toll free at 888-810-8209 to schedule a free consultation. We take all personal injury cases on a contingency basis.

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After a motor vehicle accident in Missouri or Illinois, it can be difficult to know what your rights are and how to obtain the compensation you need for medical bills, lost wages and pain and suffering. Get the answers you need by contacting us for a free consultation.

The law firm of Ripplinger & Zimmer, L.L.C., in Belleville, Illinois, provides experienced representation to the victims of car, truck and other motor vehicle accidents. If you or someone you love has suffered a serious injury, contact us to learn more about your rights to recovery.

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 Ripplinger & Zimmer, L.L.C. in Belleville, Illinois, 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 Ripplinger & Zimmer, L.L.C. in Belleville, Illinois, will help to clear up the confusion these systems can cause.

DISCLAIMER: This site and any information contained herein are intended for informational purposes only and should not be construed as legal advice. Seek competent legal counsel for advice on any legal matter.

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