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Power Of Attorney: If you are in a car accident and severely injured, perhaps in a coma, your doctor is obligated to determine if you have "sufficient mental capacity" to manage your financial affairs. If not, he is duty-bound to send a notice to the government. This notice permits the government to automatically take over control of your assets, regardless of whether you have a spouse or children capable of managing your finances. This is also the case where a mental disorder, such as Alzheimer’s befalls either you or your spouse. You need to assign a Power Of Attorney for your "Financial Affairs" and "Personal Care" that you are to receive if injured or sick, when you are not able to make those decisions for yourself. If you don’t do this, the government automatically steps in and your family members will have NO control. The Power Of Attorney information can be found on the InsuranceHotline.com website in the Resource section. No-Fault Insurance: No-fault insurance is a misleading term. No-fault insurance does not mean the accident is no one's fault. Fault is determined in every accident, by insurance companies. No-fault insurance means that if you get into an accident, regardless of whether or not it's "your fault", your own insurance will pay for the repairs to your damaged vehicle and for your injuries. No-fault insurance was created to improve consumer satisfaction when handling claims. You get to deal with your own insurance company, not somebody else's company when paying for your damages. That’s it.
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