NO_FAULT Insurance - Whose fault is it ?

calmom
Fri, 11 Jul 2008 23:15:02 +0000

As far as the property damage claim (to replace your car) - I think the problem is with your own coverage – when you opted not to buy comprehensive & collision, you assumed the risk for damage to your vehicle. So I think you are out of luck there.

I hope you weren’t injured, but if you were, then liability for medical costs might be a different matter. If you have “uninsured motorist” or “major medical” on your auto policy you might be covered.