See full version: What is no-fault insurance? Why do you need it
No-fault insurance is more about the insurance claims process rather than dismissing any blame. To sum it up, this kind of policy was designed so you won’t have to drag your feet to a lawyer’s office or provincial court to deal with a suit or claim after a collision. Instead, your insurance company will automatically cover costs for damages or injury under certain conditions (read on to learn more) so you can get on with your life sooner.
For example, in Quebec injury claims are processed through the province’s publicly-run insurance body, while car and property damage is managed by private insurers. Whereas in Ontario, all claims are processed by the private insurance industry. Visit your provincial section on the IBC website for complete details on your local auto insurance ins and outs. here
Similarly, no-fault insurance doesn’t pitch in when you’ve had an accident with a hit-and-run driver. This is when collision coverage is handy; note, however, that along with comprehensive coverage, both are optional and will you cost more in premiums. more
You will also want liability that covers your directors, officers, and managers in the event that they engage in some form of wrongdoing. Each of these people can be personally sued, and they can take actions which trigger company lawsuits, too. This can include sexual misconduct liability insurance: the sad, yet true, reality is that this kind of abuse can and does continue to take place in the workplace. more
Learn about Florida commercial insurance for educators that helps protecting your professional reputation and other legal liabilities arising from your educational services. [links]
Learn about Florida media liability insurance - a specialized form of professional liability insurance that provides protection for legal claims brought by third parties. [links]
If anything, you can get sued by clients or customers if they get hurt in your place of business, which is why this policy is so important. more
As with any auto insurance policy, the cost of your premium will always be based on your driving record, where you live, credit score, age, and gender. [links]
Tort, also known as at-fault insurance, is a more common insurance type. The at-fault driver can be sued for medical expenses as well as pain and suffering by the other party and their passengers. Under a choice no-fault system, you may be able to add a tort liability provision. more
If you live in a no-fault state, we strongly recommend carrying more PIP protection than the required minimum. Having a higher limit will offer you more coverage in the event of an accident that results in injuries.
But let’s say you live in Massachusetts, which is a no-fault state with an $8,000 monetary threshold. [links]
Within these states, drivers can decide if they want to carry a tort policy, which is a more traditional system, or if they want to carry no-fault insurance. There are currently three states that allow choice no-fault: New Jersey, Pennsylvania, and Kentucky. more
Just as a refresher: New Jersey, Kentucky, and Pennsylvania are choice no-fault states. [links]
Generally, a request for provisional attachment or other sanction may not be granted unless the adverse party has been given the opportunity to express his opinion. However, in cases where there is an imminent danger, the courts may order such sanctions provisionally without hearing the adverse party. here
2.6 Is there an automatic right of subrogation upon payment of an indemnity by the insurer or does an insurer need a separate clause entitling subrogation? more
3.1 Which courts are appropriate for commercial insurance disputes? Does this depend on the value of the dispute? Is there any right to a hearing before a jury? more
The courts are not permitted to operate remotely under Swedish law. However, parties or other participants to a hearing may, if the court permits it, participate through telephone or video link. Statistics from the Swedish National Courts Administration (Sw. Domstolsverket) show that the number of cancelled hearings has increased due to COVID-19. However, the extent of the delay on litigation varies from court to court. more
4.10 Can the courts compel the parties to mediate disputes, or engage with other forms of Alternative Dispute Resolution? If so, do they exercise such powers? [links]