this means you had a 'no fault' accident in 2004.
The problem with no fault insurance is that fault is usually assigned thus making no fault insurance an incorrect statement. Your collision coverage is where you would make the claim in this situation.
No-fault insurance generally refers to the individual working with their own insurance company, despite who may have been at fault for the accident. In Ontario, the Ontario Auto Insurance sells no-fault insurance.
Whose At Fault?That sounds rather unusual. I have never heard of an insurance company assigning fault and not paying out the claim. If by chance you mean that you were making a legal, left arrow green type of turn, and the other car ran the light and you collided with the car that ran the light, the car that ran the light would be at fault. I would definitely look into the fact the at-fault insurance has assigned fault to the other driver but refuses to pay out damages for your vehicle. Remember, if you feel an insurance company isn't acting within the law, contact your state's department of insurance in order to file complaints, start grievance procedures (the complaint process) among other things.
The at-fault party's insurance should cover your vehicle. EVEN THOUGH OUR INSURANCE HAD RUN OUT BY AMONTH?
Yes, If the accident was your fault, then it is your fault. Whether or not they have insurance has nothing to do with who's at fault, or who actually caused the accident.
You will be cited for driving without insurance and the other driver being at fault, him and his insurance are still liable for damages.
One can find information on no fault insurance when one contacts insurance brokers like Mitchell and Whale Insurance Brokers. They will explain to one the benefits and the catch of no fault insurance.
No-fault insurance
Fault is determined by who committed a driving infraction, not who has insurance. If you have no collision insurance, you are responsible for the damages to your own vehicle unless another driver is determined to be at fault.
No fault car insurance is coverage designed to compensate victims of car accidents via their own insurance company, regardless of which driver was in fault.
If the other party was clearly at fault in hitting your vehicle then their insurance will pay for the damage to your vehicle. The key is that it is their fault. The way you word the question you don't state that they were at fault but that they hit your car. If it is determined that they were at fault then their insurance pays, if you were at fault then your insurance pays.