Who is responsible for my medical treatment and expenses?

Typically, your own insurance carrier will provide coverage for all necessary medical bills and lost wages up to $50,000.00 under the no-fault portion of your policy (and sometimes more if the owner of the vehicle has purchased additional no-fault coverage beyond the statutory minimum). However, in order to receive no-fault benefits, a no-fault claim must be filed within 30 days from the date of the accident with the correct insurance carrier:

1. the insurance carrier for the vehicle in which you were an occupant as either a driver or passenger;
2. the insurance carrier of the vehicle that struck you if you were a pedestrian;
3. or, in some instances, the insurance carrier for any vehicle in your household.

The No-Fault claim provides basic coverage in automobile related accidents for medical expenses and lost wages. The No-Fault law was enacted to make sure that persons injured in motor vehicle accidents receive coverage for medical expenses and lost wages.