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If you have liability insurance only in a no-fault state and you were rear-ended and vehicle totaled who pays for the replacement or repair of the vehicle?
Wiki User
∙ 8y ago
Michigan's no fault law is really a pain. If you only had liability insurance, even if you weren't At Fault, you're responsible for the damages to your vehicle. If the other party had insurance you might be able to file a $500 mini tort claim and get it without having to go to court (your insurance company should be able to do this for you) but that's all you're going to get. Your own insurance company will pay for your medical and your son's medical bills but that's as good as you're going to get. Michigan no fault was passed in the early 70's to lessen the amount of tort claims for people injured in auto accidents. As a result when you get injured, your insurance pays for your injuries. If you accept liability only insurance, you accept the responsiblity for any damages even if they were not your fault. I think people in no fault states ought to have this more clearly pointed out to them since there are more than just Michigan. People assume "it wasn't my fault so you'll have to pay" but that's not the way it works in Michigan. Sorry.
Wiki User
∙ 8y ago
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What states are nofault car insurance?
I recommend you this site where you can compare quotes from different comapnies: INSURANCE-QUOTES-FREE.INFO
Is Ohio a nofault state regarding car accidents?
yes
Is it faster to file a nofault divorce after being separated four years?
Almost all divorces are filed no fault now. There is rarely any benefit to filing with a fault.
What is the concept of nofault and personal injury protection is?
Auto nofault:Many people have heard the term "no-fault insurance." However, do you understand what that actually means? In short, a no-fault insurance system is an auto insurance policy required by state law in which each driver purchases auto insurance that protects him or her and limits his or her ability to sue other drivers for damages while also protecting him or her from being sued for damages by the other drivers in most cases.Therefore, if you are involved in an auto accident, your insurance company will pay your damages, up to your policy limits, regardless who was At Fault. These limits must meet your state's minimum coverage if your state is a "no-fault" state. The other drivers involved in the accident would be covered by their insurance policies. The theory behind this system is to ensure every motorist would receive immediate coverage for damages, thereby reducing the law suits resulting from an accident. This would, in turn, help keep insurance premiums down.Personal Injury Protection:Personal Injury Protection is a form of car insurance that is designed to compensate for an injured person's bills, specifically things like medical bills and fees incurred as a result of a car accident. Personal Injury Protection (also called PIP) sometimes will also cover things like a person's lost wages due to their inability to work as a result of a car accident, and any other damages associated with an automobile accident. A lot of Personal Injury Protection policies even compensate for funeral costs as well as pain and suffering. The great thing about PIP is that it is "no-fault" insurance coverage. This means it covers not only the person who is insured but also other people in the insured party's vehicle at the time of the accident, as well as any people hit by the insured person's vehicle. It is designed to pay out to an injured person regardless of who caused the accident or which driver owns policy with that coverage. Another good thing about Personal Injury Protection being no-fault is that the person owning the Personal Injury Protection will not have their insurance premiums increased should they need to file a Personal Injury Protection claim. Personal Injury Protection is only available in some states. But a lot of the states that do not offer PIP do offer Auto Medical Payments coverage (also called AMP). Some states have both PIP and AMP.
What is the concept of auto nofault and personal injury protection?
Auto nofault:Many people have heard the term "no-fault insurance." However, do you understand what that actually means? In short, a no-fault insurance system is an auto insurance policy required by state law in which each driver purchases auto insurance that protects him or her and limits his or her ability to sue other drivers for damages while also protecting him or her from being sued for damages by the other drivers in most cases.Therefore, if you are involved in an auto accident, your insurance company will pay your damages, up to your policy limits, regardless who was at fault. These limits must meet your state's minimum coverage if your state is a "no-fault" state. The other drivers involved in the accident would be covered by their insurance policies. The theory behind this system is to ensure every motorist would receive immediate coverage for damages, thereby reducing the law suits resulting from an accident. This would, in turn, help keep insurance premiums down.Personal Injury Protection:Personal Injury Protection is a form of car insurance that is designed to compensate for an injured person's bills, specifically things like medical bills and fees incurred as a result of a car accident. Personal Injury Protection (also called PIP) sometimes will also cover things like a person's lost wages due to their inability to work as a result of a car accident, and any other damages associated with an automobile accident. A lot of Personal Injury Protection policies even compensate for funeral costs as well as pain and suffering. The great thing about PIP is that it is "no-fault" insurance coverage. This means it covers not only the person who is insured but also other people in the insured party's vehicle at the time of the accident, as well as any people hit by the insured person's vehicle. It is designed to pay out to an injured person regardless of who caused the accident or which driver owns policy with that coverage. Another good thing about Personal Injury Protection being no-fault is that the person owning the Personal Injury Protection will not have their insurance premiums increased should they need to file a Personal Injury Protection claim. Personal Injury Protection is only available in some states. But a lot of the states that do not offer PIP do offer Auto Medical Payments coverage (also called AMP). Some states have both PIP and AMP.
You live in the state of pa you have carpal tunnel and scheduled for surgery does workmans comp pay your full salary while out and if not can your job pay the balance of your salary while on workmans?
The state of PA for workmens comep. Is considered a nofault state. Once they receive the claim from your imployers,the co. that you worked for is nolonger involved in paying you your salary. You should receive 66 and 1/3 of your salary,considered lost wages. You need to be off of work for at leasted one week before you start receiving workmen comp. checks.
