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.
Damn Mike,
good luck fixing that, looks like you'll need to cut out the whole rear quater panel, and replace it.
and from my understanding NJ is a no fault state.
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."
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?
Thanks guys. The thing is, he's saying I didn't leave enough room when I merged and that's why he hit me. What I don't understand is how we figure out who's at fault? My dad said this isn't normally on the Police report, so I dunno how to figure this out. Some people also tell me that NJ is a no-fault state, but some people tell me otherwise. I never know what to believe. Can anyone shed some light on the subject?
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.
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.
Exactly...i hate NJ.
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.
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.
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