NO_FAULT Insurance - Whose fault is it ?

kelsmom
Sat, 12 Jul 2008 00:04:32 +0000

I live in a no fault state. Basically, you are correct … it means that you deal with your own insurance company, no matter who is at fault. You are not at fault … but any damages you are owed are taken care of through your insurance company. What are you trying to collect? It sounds like you don’t have any coverage for collision damages … it does NOT matter that you weren’t at fault. When you chose not to pay for collision coverage, you chose not to be covered regardless of who is at fault in a collision. No fault does not mean that you get money when you weren’t at fault … you don’t have coverage for collision, so you don’t get the money.