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No Fault Insurance

If you’re fortunate, or depending on how you look at it, unfortunate to live in one of the twelve states that are under a non-fault auto insurance system, you can cause an accident, yet your insurance company won’t pay for the other parties’ damages.

If you live in a No-fault state (DC, FL, HI, KS, KY, MA, MI, MN, NJ, NY, ND, PA, UT) that means you live in a state that both requires drivers to carry insurance for their own protection and places limitations on their ability to sue other drivers for damages. Your auto insurance company will pay for your damages (up to your policy limits), regardless of who was at fault for the accident. Any other drivers involved will be covered by their auto insurance policies. Since all are required to carry insurance, in theory, there should be no uninsured motorists in those states. Stop laughing; the term “in theory” was used!

These states opted for the no fault insurance system because it guarantees every driver immediate medical treatment in the event of an accident. Further, it's intended to reduce the legal and administrative fees associated with insurance claims. Again, in theory, this should equate to lower premiums. Unfortunately, often times the liability issues that still remain will actually drive premium costs up.

However, because no state is pure no fault, drivers can always be held financially responsible for the cost of injuries they cause in certain circumstances – that’s the loop hole. Some states allow injured parties to sue if their injuries meet certain standard for severity, while others allow it when total costs reach a certain dollar level.

Below is a classic case of a no-fault situation. Neighbor lived in a four-plex apartment building. It had a 4-stall garage along with a 4-stall wide driveway. Because the driveway was so wide it was second nature for the tenants to pull out of their parking spots and turn around in the driveway instead of backing into the street.

One Sunday afternoon, one of the tenants decided to go visit a friend. She got into her car and began backing out of the driveway in her normal manner. When all of a sudden she felt a bump and heard a scream. At first she thought she ran over her cat who would occasionally escape. She opened her car door and found half of a body. Scared half out of her mind, she shut the car off and ran into the house and immediately called 911.

The driver was too scared to go outside at that point. As far as she knew, the half body, belonging to one of her neighbors, was still under the car and the driver was certain the injuries were serious. Her left rear wheel had crossed her body from her thigh on one side on the diagonal to above her pelvic region. The driver later learned that some strong man from across the street came over and picked up the car so she could get out from underneath.

The neighbor announced that she was feeling fine and didn’t want to go to the hospital. But the police and ambulance didn’t feel the same way so they took her the four blocks to the hospital. Turns out the neighbor was sunbathing behind her car and somehow the driver didn’t see her when she walked to her car. She ended up with no broken bones, no internal injuries; just a tire track from her right thigh across to her left stomach.

The driver felt absolutely terrible, accepted full responsibility, wanted to do everything and more to make it up to her. The next day, the driver phoned the insurance company to explain to them what had happened. They asked her two questions. #1 Does she drive? (yes) and #2 Does she own a car? (yes). The insurance company informed the driver that due to No Fault insurance the neighbor’s own car insurance would have to cover the medical costs. The driver was clearly at fault, yet the driver’s insurance wouldn’t cover the damages even though it was her fault.

The driver went as far as to tell the neighbor to sue her since it was her fault and she felt totally responsible. The neighbor merely responded, “It was just an accident.” The lesson here - next time lay on the grass, instead of the drive way to sunbathe and risk the doggy doo.

Interesting No-Fault system, wouldn’t you say?

Frequently Asked Questions

  1. QUESTION:
    how does no-fault insurance work if you get into a car crash?

    • ANSWER:

  2. QUESTION:
    When a Texas resident has an auto accident in Minnesota- a no fault insurance state?
    A Texas resident has an accident in Minnesota- a no fault insurance state, and the Minnesotan is the one who is at fault, How does insurance companies handle this when Texas law are different than Minnesotas. There were no bodily injuries.

    • ANSWER:
      In every state except Michigan the term "No-Fault" refers only to how and who pays the medical of an injured person. It means that no matter who is at-fault your own insurance company pays your medical bills.

      Who pays for car damages in MN are still based on negligence. The accident will be handled under the laws of MN as that is where the accident happened. So if the other driver is at-fault you will get paid for your car damages by their insurance company. In MN the have comparative negligence laws so depending on the accident facts you might not be owed 100% of your damages. If you contributed 15% of the negligence to the accident, the amount you can collect is reduced by that 15%.

      Good Luck

  3. QUESTION:
    What is no fault insurance? What types of accidents does it cover?
    What is no fault insurance? What types of accidents does it cover?

    • ANSWER:
      No fault only has to due with medical bills. Some states have no fault and others do not. If you are in a not fault state and you are injured in an accident no matter who is at fault for the accident you always go to your own auto insurance company to pay the bills.

  4. QUESTION:
    I am looking for a good no fault insurance doctor in honolulu, hawaii?
    I just got into an accident yesterday (someone slammed be from behind). And, I am looking for a good Doctor that accepts No Fault Insurance...I prefer someone in Honolulu, Hawaii (Kapolei to Aiea area). Please help!

    • ANSWER:
      You can easily check your minimal health care rates in internet, for example here - healthquotes.awardspace.info

  5. QUESTION:
    can my no fault insurance cover the querter window replacement ?
    someone broke my querter window at night and i dont know who did it so, can my insurance company cover it for me ? and i have no fault insurance any help appriciated
    thanks
    some one broke my car querter window and i dont know that my insurance company is going to cover it .i have no fault insurance.

    • ANSWER:
      That would be covered under your Comprehensive coverage. If you do not have 'Own Damage' coverage under your policy it will not be covered.

  6. QUESTION:
    Florida is a no fault state. After both insurance companies tenure up all claim money available what's left?
    We have no fault insurance in Florida and I was involved in an accident where some one ran into the back of my car resulting in injury. My insurance company paid its part and their insurance company has offered to pay its part, but it is not enough. I have hired a lawyer but even with what he is able to get it is not enough. All I am trying to get is reimbursement for medical costs and lost time costs. I am an independent contractor and have no recourse for workman's comp.

    • ANSWER:
      If you have already gotten a lawyer then you have nothing else you can do. Good Luck.

  7. QUESTION:
    what is the benefit of no fault insurance in michigan?
    i accidentally backed into a truck over the weekend, leaving a dent in the other car and some bumper scuffs on mine. how should we go about the repair process? should he report it on his insurance? if so, how does that affect me and my rate? would it be better if i paid him in cash for his damages and went on my way? michigan is a no fault state, and im not completely clear on how that works.

    • ANSWER:
      We have no-fault in Minnesota...here it just pertains to injuries sustained in an accident. Here is means if you hurt your back in an auto accident and miss a couple days of work YOUR insurance pays the medical bills and lost income because of the accident. In Minnesota the standard limit is ,000 medical and ,000 non-medical, if the injury is more than that that's when you have to go after the other driver to pay the rest of the bills.

      The benefit of the system is that by paying the first ,000 - ,000 of these bills it keeps a lot of cases out of court, obviously the downside is you have to turn in a claim to your own carrier for something that may not have been your fault.

      In regards to your questions on what you should do, since it looks like your fault what you should do is tell the guy to get an estimate on what it's going to cost to repair, he'll give you a call and tell you what it is and at that time you should decide whether you feel comfortable paying him directly (and leaving the insurance companies out of it) or if it's too much for you to dish out you can turn the claim into the insurance company at that time...just don't let too much time pass.

  8. QUESTION:
    Whats the recommended amount of no-fault insurance in Nevada?
    I know that in Nevada you don't have to have no-fault insurance, but if you were to get it what would be the recommended amount?

    • ANSWER:
      No fault means medical bills for YOU. So it's going to depend a WAY lot, on what kind of HEALTH insurance you have, if you have any life insurance, and what your personal finances are like. At the very least, you want enough to cover your deductible, but you probably want more than that, to cover your coinsurance, if you have massive medical bills. Maybe you want enough to cover a funeral.

      There's no "rule of thumb" on this, however, if people need ,000, they probably are going to need at least ,000. If it's not too much for your budget, I also have a lot of insureds with 0,000 of coverage. The more coverage you get, the cheaper the rate is.

  9. QUESTION:
    Does my insurance co get paid by the other ins. co if I am not at fault in an accident?
    I was declared 0% at fault after being rear ended. In Massachusetts we all have no fault insurance. After my insurance company pays for my repairs, do they get fully reimbursed by the insurance company of the at fault person? Or does no fault mean they don't? My own insurance company is strong arming me to close the claim - why would they do that?

    • ANSWER:

  10. QUESTION:
    I had No Fault insurance in Mich. The guy who hit me is from Ohio.Do I have any recourse for cost of my auto?
    I didn't understand the no fault law and I believed that if another driver were at fault, their insurance would cover my costs. Clearly this is not the case. Because the driver who made an illegal left turn and totalled my car was from Ohio, is there anything that I can recover from his insurance for cost of my vehicle, or am I just out of luck because Michigan's law sucks?

    • ANSWER:
      Yup... MI laws suck! It's the only state I know of where No-Fault DOES apply to property damage! I have no idea why that law passed.

      I don't know MI auto laws very well but I think your limited to collecting about 0 from the other party. You need to have collision insurance on your own vehicle to collect any more.

      My recommendation... move, if you live in MI. :)

  11. QUESTION:
    how to get No fault insurance overturned?
    how do i get No fault insurance overturned in my state of michigan.i need the info because im going to do everything i can to overturn it.i keep getting auto plpd quots of 00 or more. ive had no accidents or tickets in my life and im 27 .insurance companys blame the no fault law .so i want to get it overturned.also the state is over taxing insurance companys.

    • ANSWER:

  12. QUESTION:
    does ny no fault insurance cover house keeping if a person is injured in a car accident?
    a friend of mine was a injured in a car accident and is not able to clean her house or cook for her growing children. does no fault law allow for her to have a house keeper? can you please provide a link? thanks in advance for your help!

    • ANSWER:
      No.
      That is what friends and family are for.

  13. QUESTION:
    If someone w/full coverage insurance runs a red light and hits a person w/no fault insurance how much is paid?
    If a person with full coverage insurance (they have alstate) runs a red light and its a person with no fault insurance. Does the person that ran the red light insurance have to pay for all of the damage they caused to the other car. Or if not how much will there insurance have to pay
    sorry yes, the accident did happen in Michigan

    • ANSWER:
      "Full coverage" is not a technical insurance term. It means, they have AT LEAST minimum required coverage. So, not knowing what state the accident happened in, it's impossible to answer.

      For example, in Michigan, all the person who ran the red light has to pay, is the first 0.

  14. QUESTION:
    Passenger in NY vehicle accident with No Fault Insurance?
    If there is a lawsuit settlement in favor of the passenger, do the medical bills come out of the settlement or does the no fault insurance cover the bills?

    • ANSWER:
      ?? The lawsuit is for specific purposes part (usually the vast majority) of the settlement is to pay medical expenses. It is the other party's insurance that pays the settlement.

      Whatever settlement amount that was NOT attributed to medical expenses goes to the person injured (actually mostly to their lawyer)

  15. QUESTION:
    how do I bill no fault insurance as a massage therapist in NY?
    I want to add no fault/workmans comp to my practice, but don't know where to start. HELP

    • ANSWER:
      First, you must be licensed to provide the services that you are providing. I am not sure that no-fault recognizes a massage therapist as a medical provider. If it does, which it probably does,, then you must obtain an assignment of benefits from your patient. This allows you to deal directlywith the insurance company.

      Then, in order to bill, go onto the the NY State Insurance Department webside, download an NF-3 (No Fault Verification of Treatment Form, which is the proscribed no-fault bill) and then send it into the appropriate insurnace company. It is very important that you have a mailing practice in place, where you can be sure of when a bill is mailed. This can be done by certified mailing, using a mailing log form from the post office, or simply denoting a file contemporaneously with billing.

      You should become familiar with the workers' comp fee schedule. This way you bill correctly. You want to bill using the appropriate CPT Code and bill the appropriate amount.

      Then, when benefits get denied, you should have a lawfirm commence litigation for you. Do not submit to the arbitration forum, put it into litigation. If you contact me privately, I will provide some firms that are good at this.

      Also, do not get discouraged when insurance companies deny your claims. They will do so until you show them that you will challenge them. You will get paid for nearly all your claims in Court, provided that you are licensed to provide the services rendered, and that you keep good mailing records.

      Do not take any State Farm patients. State Farm will likely allege that you are really a front for lay people that are benefiting from your billing and tie you up in litigation. When they make these accusations, all insurance companies take notice and will want to see how it resolves itself b/c if you walk away, they will do the same thing, or if you loose, then you will be estopped from challenging the issue with other insurance companies.

  16. QUESTION:
    Does New York have a fault or no-fault insurance system?
    If NY has a no-fault system then what is the maximum amount that will be paid?

    • ANSWER:
      http://www.ins.state.ny.us/r68/r68_art51.htm

      it's no-fault.

  17. QUESTION:
    Can you get no-fault insurance on a financed car?
    I know that for leased cars you have to get full coverage but does it differ for cars that are financed?

    • ANSWER:

  18. QUESTION:
    Under Florida no fault insurance law I hear you can get k?
    Is this true? Is that k given to doctors for the medical bills or do you get the k cash as they make it sound like on TV. If this is true how long does it take to get the money?

    • ANSWER:
      Florida PIP is required on all auto policies in FL. The minimum is ,000 and many policies have a deductible of ,500 plus pay out around 80%. You can get a policy with a lower deductible and possibly have 100% pay out, but it will cost you more. But;;;;;;;;any money paid out is paid out to doctors who treat you as a result of being in an auto accident. They do not pay you, they pay the doctors who bill you. Even if they were to pay you cash, the doctor would go after you to repay them.

      You maybe thinking about personal injury or pain/suffering and if that is the case, that is bodily injury liability, which in the state of Florida is not required by law. So if in an accident and injured and if the other party is at fault, and if the other party does not have bodily injury coverage, all you can get is the PIP to pay for your medical bills period.

      good luck

  19. QUESTION:
    Florida No Fault Insurance? Is it usually cheaper then other companies?
    I'm 19, am gonna be getting a financed car worth around 12-14k and I'm looking for the cheapest insurance without lacking coverage and also being able to contact the company easily if needed. Is No- fault insurance usually good for financed cars and/or teenagers who have financed cars?? ANY answers would be helpful.

    • ANSWER:
      Florida is the uninsured motorist capitol of the USA, so that no fault coverage is VERY pricey.

      But your lender is going to require that you ALSO carry liability, collision, and comprehensive.

      Expect that your insurance costs should run you around 0 to 0 a month, on a financed car. There's no "bargain" out there. If you want to only carry what you have to, just the no fault coverage, then you have to pay cash for the car.

  20. QUESTION:
    broken window and no fault insurance in michigan?
    I was driving past my neighbors house and he was on his ride on cutting his grass he hit a rock and it hit my passenger window and broke it.They were going to pay for it until I took the bill over there and then his wife told me she called her insurance company and they said to tell me to call my insurance company (no fault) and they would pay for it since it was an accident .Has any one ever heard of this before the window cost 0.00 I think my deductible is higher than that.

    • ANSWER:

  21. QUESTION:
    No-Fault insurance - I was injured as a passenger with uninsured driver?
    My boyfriend was rear-ended while I was a passenger in his car. I suffered broken ribs and whiplash, and need help paying medical expenses. Unfortunately, we live in a no-fault insurance state and he did not have car insurance. Under no-fault insurance, his insurance company would normally pay for my medical expenses, but because he doesn't have any, is there any way to collect any money without suing my boyfriend!?

    • ANSWER:
      Do you or your parents have insurance? If so, you can claim on that. Or, if you have health insurance, you can use that.

  22. QUESTION:
    I was a passenger in a wreck. The driver has no-fault insurance? Help?
    I live in SC. I was a passenger in a car wreck. The girl is from KY, but the wreck happened in NC. The girl from KY has no-fault insurance. I don't really understand this, but who pays my pain and suffering? And what state laws will this go by?

    • ANSWER:
      This will follow North Carolina law since that is where the accident happened.

      North Carolina is not a "no fault" (PIP) state. You would file a claim against the at fault drivers policy.

  23. QUESTION:
    Can I sue a drunk driver for out of pocket costs in a No-fault insurance state?

    • ANSWER:
      Sadly, no. If the sate is a No-Fault state, you can't sue the person who hit your vehicle.

  24. QUESTION:
    laws on suing for cost of repair on vehicle after an accident ,andboth parties have no fault insurance?
    i was in an accident ,on 2-23-2009,and it was not my fault ,both parties had no fault insurance ,i can only receive 0.00,from her insurance ,my jeep is going to cost about 00.00 to fix ,can i sue her the remaining cost of fixing my vehicle ?

    • ANSWER:
      And what is wrong with your insurance?

  25. QUESTION:
    True of False: No fault insurance is also known as Personal injury protection?
    True or false?

    • ANSWER:
      You are likely going to get a ton of people telling you the answer is "false". They are wrong and just making un-informed assumptions.

      The answer is TRUE.

      People who are not in the claims business make this mistake every day.

      No Fault or PIP refers to the fact that no matter who is at-fault, your own insurance company has to pay your medical bills, if any.

      MI has a weird system that applied the same principle to car damages, but they are the ONLY state to do this.

  26. QUESTION:
    Does Michigan no-fault insurance mean nobody is at fault?
    Say you have an accident in michigan. the cop does not site you a ticket. on your record it is showing at fault. What the heck is it called no fault only when it is convenient? I'm confused. How can the state call it no fault when they are going to say its your fault? is that contradicting itself?
    The cop also said you are not at fault
    Now because it says at fault on the record, even though michigan is a no fault state the insurance is higher

    • ANSWER:
      No- fault has never meant nobody is at fault, that would make no sense. It means fault does not have to be determined before payment of claim is started.
      In some places, like Manitoba, it does not apply to the vehicles, only the injuries, in some places it applies to the vehicles.
      But in no place does it mean you can never be at fault for the accident.

  27. QUESTION:
    I had a very minor car accident in a "no fault insurance" state. What does that mean?

    • ANSWER:
      No fault mean no one is faulted for accidents. Your insurance will handle your damage and the other party turns their claim into their insurance. Now, if you were legally faulted (ticketed) you can be held responsible for the other parties deductible.

  28. QUESTION:
    Would "TORT Reform" be as successful as Michigan's "No-Fault" insurance law?
    No-Fault insurance in Michigan was designed to do away with frivolous lawsuits, but now the courts in Michigan are filled with people suing their own insurance companies to "pay-up" on the premiums they've collected upon.

    Is "that" the "TORT Reform" we have to look forward to - If the GOP were to "walk the walk" for a change?

    • ANSWER:
      We have had 'Tort Reform' in California for more than 10 years. I had not impact on insurance prices, not health insurance, not automobile insurance, not malpractice insurance and not Workman's Comp insurance. As a matter of fact it made things miserable for people who are injured on the job. The workers comp insurance gets ordered by a judge to pay the benefits, then a few month later they thumb their nose at the judge and stop the benefits. Go do a search on Nataline Sarkisyan. The 17 year old girl killed by the cigna death panel that Sarah palin and max baukus think are so cool

  29. QUESTION:
    Car Accident and No Fault Insurance?
    My sister was hit by a car while she was crossing the street on her way to school. Now the hospital has sent as a statement asking for her no-fault insurance policy number. We don't have auto insurance so how do we fill in the form? Can we use the insurance number of the part at fault?

    • ANSWER:
      Just tell the hospital billing department you were a pedestrian, hit by a car, and have no insurance. Then ask if they would like the insurance number of the person that hit her.

  30. QUESTION:
    Accident not at fault insurance rate?
    I slid into a car already involved in an accident whiling seeing if they needed a tow out. My car was not damaged, but his was. He caused the original accident because he slid through a red and was the only one cited. Will my insurance rates go up. I'm 16, and because I live in a no fault state I don't know if I will have to pay or go to court?
    It was reported by state police and he wanted to involve insurance so I'm guessing hes gonna contact them

    • ANSWER:

  31. QUESTION:
    no fault insurance is it a good thing?
    i was a passenger in an auto accident, the vehicle behind us was at fault and ticketed. but attorney say that,since i dont own a car ,the nofault insurance will see who of next of kin in my family who has insurance, and pull they insurance to cover my medical expenses, my question is; will this make my realitive premium high, eventhough they had nothing to do with accident.

    • ANSWER:
      To answer your initial question, I think NOT. The incident you describe is a good example of why I think not.

      This scheme was supposed to make things easier for injured people, because they would get the money right away from their own insurance company, who could then fight it out with the other one, and the injured person would not have to wait around for lawsuits to be settled. In practice, it has made people's insurance premiums higher.

      There is a good possibility that whoever owns the insurance policy that gets tapped here will see an increase in premiums, even though they were not involved in the accident in any way.

  32. QUESTION:
    Michigan resident (no fault insurance). I was in a mva with a dui lady. How can I sue her for rental car fees?
    The lady was drunk and taken to jail. My 8 year old child was with me in the vehicle and she turned in front of us. Neither of us were seriously injured. I do have lower back pain that I have medicine for and the Dr. said I should feel better in about 3 months. Because of no fault law and no broken bones how can I sue her for rental car reimbursement. This has cost me so far 800 in fees and my car has another three weeks until the eta for repairs are done. (00 worth of damages)
    I already contacted personal injury attorneys and according to them I do not have a claim because of no serious/disabilitating/fatal injuries. Also, because of the no fault insurance everything else is covered except my rental, which i "elected" to not take the coverage for because I know I am a safe driver and never would have imagined an accident with a drunk driver.

    • ANSWER:
      I hate to tell you this but hire an attorney. I couldn't get the insurance company who was at fault in my wreck to admit responsibility. The minute I called an attorney I had a rental car and my car was transferred to the collision center. The exact thing happened to me. Just hang in there. I hope it wasn't Geico insurance.

      Despite all the fees the attorney charged me they really helped get the ball rolling. Good luck!

  33. QUESTION:
    Is a police report required for no-fault insurance holders?
    Fender bender on state hwy. Info was exchanged between drivers. No police called. Very Slight minor damage to rear of front vehicle. Moderate damage to front end, incl. radiator, to rear vehicle.
    I guess I am also wondering if a report was filed after the fact, whether or not there would be a ticket or fine for leaving the scene without a police report.

    • ANSWER:
      Insurance companies usually want a police report just because the other driver's information tends to be more accurate and they want to make sure that the police responded to an actual accident...not someone who goofed backing out of their driveway and caused more damage than they thought. They are trying to avoid insurance fraud. Also, if an officer responds, they are more likely to indicate in the report who was legally at fault per the traffic codes of that state, and the insurance company can make a better determination of who should be held liable.

  34. QUESTION:
    What happens in a no-fault auto insurance claim?
    I was involved in a minor accident recently. I claimed it was the other party's fault. The other party claimed it was my fault. The police report assigned no fault to either party...

    What happens if my insurance company also does not assign fault to either driver? Does this mean that my insurance will not have to pay for the other's damages?
    I live in NY

    • ANSWER:
      trust me, someone will be assigned fault.

  35. QUESTION:
    My daughter in law had an accident in my car. The person who hit her was at fault. Insurance questions!?
    The person rear ended her and received a citation. Car is at body shop so far no problems with my insurance. We are waiting for the police report to receive the other person's insurance information. The question is that she is now having pain in her shoulders, neck and back. I think she wants to go to the ER. How do I handle this? She does not have health insurance.

    • ANSWER:
      Whenever you go for health care for any reason, YOU are always personally responsible for the charges. If you are reimbursed later for those charges, fine. Just keep in mind that if an insurance company does not pay, you will have to. After you know the charges, simply submit them to the liable insurance company. Still have questions? Communicate with your company. Always communicate.

  36. QUESTION:
    I have no licence the car in insured, got in a car accident not my fault will insurance cover it?
    I have no licence, the car in insured, got in a car accident not my fault will insurance cover it?

    • ANSWER:
      Probably, although the insurance company may argue that without a license you shouldn't have been there, and if you hadn't been there there would have been no accident.

      Also you will probably get ticketed for driving without a license, and there is a very good chance your insurance will either go way up, or they will cancel you.

  37. QUESTION:
    Does anyone know in detail what no fault car insurance is?
    I am having a problem understanding no fault car insurance. Can somebody explain how it works?

    • ANSWER:
      No fault insurance covers your vehicle no matter who is at fault (up to your insurance coverage limitations). It also covers you for any injuries automatically so you don't have to wait for the insurance companies to settle who's at fault until the medical bills get paid.

      In other words, it basically means that if you're involved in an accident where damage, injury, or both occur, you have to deal with your own insurance company to make a claim. Doesn't matter if you're at fault, or the other person. Also limits lawsuits that you can file for an accident.

      Fault is always determined in an accident, whether there's an injury or not. They'll sometimes find each driver at a percentage of fault. Just for example, say you didn't brake fast enough, or didn't honk your horn, so you'd be at 20% fault.

  38. QUESTION:
    Does my car insurance go up each month after an accident with no fault insurance?

    • ANSWER:
      More then likely it will go up. But it will not go up during the policy period only at the renewal.

  39. QUESTION:
    Under No Fault Insurance, what can you do if someone hits you and totals your car?

    • ANSWER:
      I work for an insurance agency in Michigan (a no-fault state). If you are not at fault, then you may file a mini-tort claim through the other drivers insurance. The maximum you may receive under mini-tort is 0

  40. QUESTION:
    What is no fault insurance?
    I got a bunch of documents I need to sign for my insurance agent and there's something about no fault insurance that I don't really understand.

    • ANSWER:
      "No fault" means, for injuries you get in your car, you cannot sue the person who caused them - you have to file the claim for medical payments under your OWN policy - even if the other guy is at fault.

      You probably need to discuss this with your agent, because each state does 'no fault' a little bit differently.

  41. QUESTION:
    no fault insurance help for plastic sugery?
    i have been rewarded 60,000 dollars of no fault insurance cause of a car accident can i use this moneys to get plastic surgery

    • ANSWER:
      I think you have been awarded a settlement. It is not a reward. Once you have been awarded a settlement you are free to do what you want with the settlement. Go on a world cruise if you choose..

  42. QUESTION:
    Can anybody tell me what is no fault insurance?

    • ANSWER:
      In its broadest sense, no-fault insurance is a term used to describe any type of insurance contract under which insureds are indemnified for losses by their own insurance company, regardless of fault in the incident generating losses.

  43. QUESTION:
    I was in an accident in MI, and the driver at fault has "no-fault" insurance. What does this mean for me?
    I was in a car accident in Michigan. My car insurance is from Ohio as that is where I live. My car is damaged pretty bad and I was taken to the hospital for pains in my leg and neck. Since the driver at fault has Michigan's "no fault" insurance I didn't know what this means for my recovery of medical costs, car repair, and lost wages. Thank you for any help you can offer!

    • ANSWER:
      Well, you don't indicate, in any way, who is actually AT FAULT for the accident.

      First of all, since the accident happened in Michigan, Michigan laws apply. Your policy should automatically give you the minimum coverages required to comply with Michigan laws.

      Michigan is a very strong no fault state. Unless you are seriously injured or killed (aches and pains, broken leg, not good enough!) you CANNOT sue the other party for your medical bills. You CAN sue the other party, if they were more than 50% at fault, for UP TO 0 for damage to your car.

      Michigan requires that you carry personal injury protection coverage on your policy, though, so as long as your policy meets OHIO laws, you are covered for MICHIGAN'S limits. SO. You will have to file the claim under YOUR POLICY for both your auto damages and your injuries.

  44. QUESTION:
    If you are injured in an auto accident (other car is at fault, no insurance) why doesn't your health ins pay?
    Why doesn't your own health insurance pay for your injuries in an accident involving someone with no insurance. I can't understant why the need for uninsured coverage if you have medical insurance, which should pay for your injuries, if someone else causes your injuries.

    • ANSWER:
      They should pay.

  45. QUESTION:
    Wife was in a car accident. can our medical insurance demand money from money we got from at fault insurence?
    They are no demanding it or they send it to money collector company.
    Wife wife went to the emergency one and was totally ok. The at fault car insurance company told us we could keep it. The problem we got a car with with the money. What should I do. This collector company want to know if she was in a accident.

    • ANSWER:
      Yes they can. You cannot collect twice for the same damages. Normally, your medical insurance company would subrogate against the at fault insurance but in this case, they paid you for the medical damages and now your medical insurance company wants reimbursed. There ain't no free lunch.r

  46. QUESTION:
    is california a no fault insurance state?
    is ca a no fault insurance state

    • ANSWER:
      For medical claims only. Not for property damage.

  47. QUESTION:
    Is Texas a no-fault insurance state?
    My G-Friend recently met with a car accident and we are still waiting for the accident report to determine the fault. She was not hurt but the other driver was hospitalized. Your opinions and suggestions welcome about how to handle this with Insurance company and attorney if required.

    • ANSWER:
      Why do you need an attorney? Report the claim to your insurance company asap. The insurance adjuster will complete an investigation and determine liability. If suit is filed, they will refer the complaint to one of their defense attorneys.

      Texas is a No-Fault state, but that does not mean nobody is at fault for the accident. No-Fault relates to injury claims. Texas is one of the No-Fault states which has "add-on" coverage. You can buy Personal Injury Protection Coverage(PIP) which pays for medicals and lost wages regardless of fault.

      The other party can still file a bodily injury claim.

  48. QUESTION:
    What Is No Fault Insurance in Ontario?

    • ANSWER:
      No-fault insurance in Ontario, Canada, provides automobile insurance that pays the cost of damages and injuries after a collision. The insurance pays regardless of which driver causes the accident, but for legal and insurance purposes fault is still determined.
      How It Works
      After an auto collision, drivers file insurance claims to pay for damages and injuries. With no-fault insurance, the policyholder can file a claim against his own policy, even if the other driver is legally at fault.
      Determining Fault
      In Ontario, insurance companies must determine the fault of an automobile accident based on a set of rules established by the government. The rules include charts and images, which illustrate a variety of accident scenarios to help guide insurance companies through the determination process.
      Multiple At-Fault Drivers
      More than one driver can be at fault in an accident. The determination can be made by the responding police officer on the scene of the accident, as well as the insurance company.
      Percentage of Fault
      Fault for an accident ranges from zero percent to one hundred percent. If the insurance company makes a determination that more than zero percent of an accident was caused by the policyholder, the accident will appear on her insurance record as an at-fault accident.
      Rate Increases
      If a driver has an accident and is determined to be at-fault, his insurance company can raise his rates.
      You can take a look here: http://goo.gl/dQ9Lt

  49. QUESTION:
    why do insurance companies still determine blame in car accidents if you have 'no fault' insurance.?
    I'm confused about no fault car insurance. I was recently in a car accident in a 'no fault' state (minnesota). If I understand no fault insurance correctly, your own insurance company covers the cost of your car repairs no matter which driver is to blame. if this is the case, why do insurance companies still determine who is to blame for the accident.

    • ANSWER:
      "No Fault" is a misnomer - it is only Personal Injury Protection - This means your MEDICAL bills are paid by your own carrier no matter who is at fault in the accident. There may also be some lost wages coverage & a death benefit too. Companies still & I'm sure always will determine who is at fault in regards to the bodily injury & property damage liability. In a "no fault" state there may be statutes that say when you can or cannot sue for bodily injury. The insurance company for the at fault party will pay the % they are at fault to the other insurance company or other party (if they didn't initially go through their own insurance first).

  50. QUESTION:
    I heard that there is a no-fault insurance, what is no-fault insurance?

    • ANSWER:
      No-Fault insurance is not an option that a policy-holder can choose to have or not. It's a matter of state law. If your state has a no-fault insurance law or regulation, then everyone in the state is subject to its rules. Also, no-fault insurance only applies to medical bills as a result of injury--it does not apply to damage to your vehicles.

      Take NJ for example: If you have a car accident in NJ and someone is injured and needs medical treatment, then the insurance policy of the driver of the car in which the person was injured (or the driver himself) will pay for the medical bills of the person who was injured UP TO a certain amount, regardless of whether the driver of this car was guilty of causing the accident or not. That amount in NY about 20 years ago was 0.00 (I don't know what it is now). For payment of anything beyond 0--well, if the injured person was not at fault, then he would have to sue the person at fault for any further reimbursement. That might mean suing the driver of the other car, or If he were a passenger of the driver who was at fault (but not a co-policy-holder, such as the driver's wife), he would have to sue the driver of the car he was in. The driver of the car who IS at fault will also get the 0 or whatever of coverage--that's why they call it 'no-fault'-- but he won't get any insurance coverage beyond this because this is all purely about 'Liability Coverage'. One's own health insurance would have to pay for his medical costs.

      The advantage to having no-fault insurance in a state is that medical care can be paid for right away when it is needed, thus being less of a burden for the injured people and the medical providers who might have to wait months or years for the outcome of a lawsuit to be properly compensated for initial medicare. Secondly, it reduces the number of lawsuits that bog down the courts.


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