"No fault" in MN means that your own insurance company will pay for your medical expenses and/or wage loss if you are injured in a motor vehicle accident. Even without a police report you can contact the other driver's insurance company and make a claim for your property damage, if you have any. If the person is uninsured you then contact your insurance company to settle the property damage.
Whoever the police report charges with the accident.
If you are both moving, the one at fault is whoever the police officer says is at fault on the accident report. That's all I can tell you with this information. I hope you called the police. They will say you backed into them and you will say they ran into you. Without a police report faulting one of you, the insurance company will say both are 50% at fault which means each pays for their own damage.
The driver of the borrowed car, if at fault, would be liable in this case. If no report is filed, either with the police, or their insurance company, most likely no one would be held liable.
An insurance company can assign fault regardless if a police report is filed or not. A police report is simply a report made by a neutral party at an accident scene. I believe there have been cases where insurance companies have assigned fault to one party when the opposing party was initially named at fault in a report.
If they backed into you, it's their fault. Failure to yield.
the car backing out.
A police report does not define who is at fault. That requires some investigation by either the insurance company or the police themselves; however, unless you make a claim or a report, neither will investigate and the accident will not officially have happened.
Situation dependent, but it really comes down to their insurance company vs. yours... the police won't issue a citation on private property.
not final, you can contest the police�s report by hiring independent investigators. But, if the police say you were at fault you probably were according to the traffice rules and regulations.
That depends on the integrity of the at-fault driver and whether they'll admit to their insurance company or the court that they were at fault. Always get a police report. Often the other driver will apologize and admit fault at the time then start to feel pressure to not accept responsibility and deny when it gets time to step up. If a local police department says that they don't have jurisdiction in a private parking lot, contact the local sheriff or whatever it's called in your state.
Believe it or not, police do not determine who is at fault the insurance companies involved do. They use information given to them from the police department, such as violations or speed information, but the police can not determine fault or liability. Order of listing vehicles on the report has no determination of anything
If the police came out and made a report of it then it will be on your driving record. It will be a not-at-fault accident but it will still be on your driving record. If the police did not come out but your insurance knows about it then it will be on your CLUE report and be a not-at-fault accident.