Fault State

A fault state, also called a tort state, is one where the driver who caused a motor vehicle crash is legally and financially responsible for the other party's injuries and damages. The injured driver pursues compensation by filing a claim against the at-fault driver's auto liability insurance, by suing the at-fault driver directly, or by tapping their own uninsured or underinsured motorist coverage when applicable.

The majority of US states operate on this traditional tort model: Texas, Georgia, Arizona, Nevada, California, Ohio, Illinois, North Carolina, Louisiana, and most others. Each fault state has its own comparative or contributory negligence rules, its own damage caps, and its own statute of limitations.

For personal injury attorneys in fault states, the central battle is liability and causation. The client's medical bills, prescription costs, lost wages, and pain and suffering are all recoverable from the at-fault carrier if liability and damages are proven. But the at-fault carrier does not pay treatment bills as they accrue. The client needs a way to receive care during the months or years between the crash and the settlement.

This is where pharmacy lien solutions are essential. CreoRx funds prescriptions during the pendency of the case, secured by a pharmacy lien against the eventual settlement. The client gets medications immediately at any of 67,000+ pharmacies; the firm receives transparent lien data; the at-fault carrier eventually pays.