NO_FAULT Insurance - Whose fault is it ?

cartera45
Sat, 12 Jul 2008 11:26:51 +0000

jude - your carrier paid your claim through your uninsured motorist coverage. Comprehensive does not cover auto collisions. It covers hitting a deer or an act of God, fire, etc. Collision covers your damage when you’re at fault. Since the other driver was uninsured, your insurance is obligated to pay if you carry uninsured motorist insurance. Many people do not carry enough uninsured motorist coverage - I recommend that you get as much as you can. If not and you are injured by an uninsured money who is judgment proof - and most are - you could have no coverage at all. Collision and comprehensive will not help you in that case.

Sethcolby - you will likely only get the actual value of the car unless there is gap insurance. You will not get anything for fixing up your other car. That is irrelevant. You may get rental car expense. First you need to talk to a lawyer who understands what happens when an American driver, with insurance in a tort state, is hit by a Canadian driver, with no fault. There are different versions of no fault in Canada. If you have to sue the Canadian driver, you will need a Canadian lawyer. If you have to sue your own company, then you get an American lawyer, but you have to find a lot of things before you’re ready to sue anyone.