Yea, thats what I thought and what I've been told in the past, but recently someone told me that only applies when there is an injury caused by the accident.
This car is bad news...
- Thread starter stprorolla49
- Start date
Yea, thats what I thought and what I've been told in the past, but recently someone told me that only applies when there is an injury caused by the accident.
you are correct about it having to do with injuries.
"The term "no-fault" auto insurance is often used loosely to denote any auto insurance program that allows policyholders to recover financial losses from their own insurance company, regardless of fault. But in its strictest form no-fault applies only to state laws that both provide for the payment of no-fault first-party benefits and restrict the right to sue, the so-called “limited tort” option. The first party (policyholder) benefit coverage is known as personal injury protection (PIP).
Under current no-fault laws, motorists may sue for severe injuries and for pain and suffering only if the case meets certain conditions. These conditions, known as a threshold, relate to the severity of injury. They may be expressed in verbal terms (a descriptive or verbal threshold) or in dollar amounts of medical bills, a monetary threshold. Some laws also include minimum requirements for the days of disability incurred as a result of the accident. Because high threshold no-fault systems restrict litigation, they tend to reduce costs and delays in paying claims. Verbal thresholds eliminate the incentive to inflate claims that may exist when there is a dollar "target" for medical expenses. However, in some states the verbal threshold has been eroded over time by broad judicial interpretation of the verbal threshold language, and PIP coverage has become the target of abuse and fraud by dishonest doctors and clinics that bill for unnecessary and expensive medical procedures, pushing up costs.
Currently 12 states and Puerto Rico have no-fault auto insurance laws. Florida, Michigan, New Jersey, New York and Pennsylvania have verbal thresholds. The other seven states—Hawaii, Kansas, Kentucky, Massachusetts, Minnesota, North Dakota and Utah—use a monetary threshold. Three states have a "choice" no-fault law. In New Jersey, Pennsylvania and Kentucky, motorists may reject the lawsuit threshold and retain the right to sue for any auto-related injury. Colorado’s law reverted back to the tort liability system in July 2003."
Husky44
10 Year Member
What he said...
But to the point of the discussion, for the repair of the car, presuming the other driver is found to be liable for the accident, their insurance should have to pay for the repairs of the Mustang, right?
I would assume so, but I won't get the police report until Monday because today is a holiday. What I don't understand is, what happens if the officer puts no blame on anyone?
nmcgrawj
Advanced Member
I would assume each party is responsible for their own repairs. But thats just my guess.
Post up when u attempt to do the repairs(if it comes to that). I have to replace my quarter panel too and could use all the help possible.
Good luck!
Zero Signal
Active Member
What's with this no-fault crap? In Arizona, IIRC, no-matter what happens, the person in the back always pays by default unless the person in the front admits guilt or it's obvious.
Adam95GT
New Member
same thing happened with my probe... was considered my fault guy was leaving the road to turn in to a parking lot i went by and he pulled back out on the road and hit me.
So I got the police report back...more bad news. I got blamed for the accident even though my story I said on here is the same that the cop wrote. The final conclusion was that I was accused with Inattentiveness which is total bull****. I hate being a youngin. Even though I'm 20, I still get treated like a kid...and cops never listen to kids.
autumn_again
New Member
thats bs. i would definitely fight that. i'd have some choice words for that cop.
i'd say the other guy would be at fault for inattentiveness. i mean he obviously didn't pay attention the fact you weren't still in the lane.
i'd say the other guy would be at fault for inattentiveness. i mean he obviously didn't pay attention the fact you weren't still in the lane.
Adam95GT
New Member
I knew this was going to be the outcome man... like i said... being under 25 and having a nice car in NJ means its always your fault.
That blows! I've been 4 fender benders over the last 20yrs (only once was I to blame) Heck my neighbour backed into my daily driver one night and my wifes car was nailed by a kid on a pedal bike (he ran the stop sign) and his parents where not happy to fork out 1000 bucks to fix the wifes civic. By the look of the pictures he got you on the sweet spot, if the hit had been more to the rear he'd have been to blame!
Why is it YOUR fault? The other guy couldnt see you? He had FULL view.
He was prolly one those people that just says , he if someone comes into my lane I'll just letem hit me. I hate my pos van anyway.
Why is it YOUR fault? The other guy couldnt see you? He had FULL view.
My thoughts exactly. It's not even his van! I guess it's for the company that he works for or something, but when I got the police report, I noticed it's not even registered in his name! What an *******. Now my insurance is going to go up, plus I have to pay to repair this out of pocket. This is bull****.
Zero_chance
Founding Member
Maybe Im crazy but it looks like you turned right into the guy. If he came up from behind you wouldnt the damage be in the middle? Even if this did go to court Im afraid most people would see it the same way. You passed into another lane and the guy was obviously too close because he hit the side of your car. You might be better off leaving it at no blame instead of having it turned against you where you might have to cover any damages to the other vehicle. The good thing is no one was hurt and the car wasnt totalled. Count your blessings.
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