14 Mar 2008 02:21:23 | Paul Hood
Anyone who has been involved in a vehicular accident, regardless
of fault, can avail of No-Fault Benefits which would include
compensation for wage lost, medical expenses and a replacement
vehicle. It is also termed as Personal Injury Protection Benefit
or PIP. Certain states like Minnesota have enacted laws
requiring vehicle owners to have no-fault coverage as part of
their automobile insurance coverage.
Moreover, Minnesota also encourages vehicle owners to have at
least a minimum no-fault policy which will disburse $20,000 for
an individual’s medical coverage and another $20,000 to cover
other losses.
As a rule of thumb, in cases of vehicular accidents, it is
imperative that you get in touch with your automobile insurance
agent to report the accident. Your agent will furnish you an
application for no-fault benefits if you sustain injuries. These
benefits may include wage loss, medical expenses, mileage and
replacement services and other economic damages.
www.nvo.com presents below conditions for a claimant to be
qualified:
oMedical expenses of $4,000 or more. oSome or all of the
injuries are permanent. oA permanent scar and/or disfigurement.
oThe injury results in disability for 60 days or more. oDeath.
If the victim dies as a result of someone else's negligence, the
family has a wrongful death claim.
Medical expenses that will be covered by No Fault are those
medical expenses that are reasonable and necessary are covered.
Often, this definition may exclude experimental treatments or
holistic treatments. Minnesota Statutes § 65B.44 specifically
includes as necessary the following:
omedical, surgical, x-ray, optical, dental, chiropractic, and
rehabilitative services, including prosthetic devices
oprescription drug; oambulance and all other transportation
expenses incurred in traveling to receive other covered medical
expense benefits; osign interpreting and language translation
services, other than such services provided by a family member
of the patient, related to the receipt of medical, surgical,
x-ray, optical, dental, chiropractic, hospital, extended care,
nursing, and rehabilitative services; and ohospital, extended
care, and nursing services. (Hospital room and board benefits
may be limited, except for intensive care facilities, to the
regular daily semiprivate room rates customarily charged by the
institution in which the recipient of benefits is confined.)
oBenefits also include necessary remedial treatment and services
recognized and permitted under the laws of this state for an
injured person who relies upon spiritual means through prayer
alone for healing in accordance with that person's religious
beliefs. * Medical expense loss includes medical expenses
accrued prior to the death of a person notwithstanding the fact
that benefits are paid or payable to the decedent's survivors.
Before any wage loss claim will be paid by your insurer, you
must provide:
oA doctor's disability slip (permission to miss work) must be
presented to your No-fault insurance adjuster in order for you
to receive wage loss benefits, AND oProof of wage loss from your
employer on a form available from your insurance adjuster.
2.Mileage claims under No Fault?
If you are injured, No Fault benefits will also repay you for
any "reasonable" mileage expenses incurred for transportation to
and from your medical provider
About Author :
Reading is an essential part of his life and this has lent a
considerable influence in his writing. He loves learning more
about people and their ways. Always ready for new opportunities
to learn and have a great deal of interest in different fields
of expertise.
