2006-10-09 14:09:54 · 6 answers · asked by Jason V 1 in Cars & Transportation ➔ Insurance & Registration
No fault insurance generally refers to medical payments or personal injury protection, which pays if you or your passengers are injured regardless of fault. If you make a collision claim you still pay your deductible because that's what you chose when you bought the policy, regardless of who is at fault. If you go through the other person's insurance who is at fault, that's a claim under their liability coverage and it is not subject to a deductible.
2006-10-10 12:21:49 · answer #1 · answered by Chris 5 · 0⤊ 0⤋
If you are using your collision coverage versus the other person's, to handle your damages, initially you will always need to use your deductible. Your deductible will need to come into play regardless of fault if you use your own carrier. Your insurance co would then turn around and go after the return of all funds paid, including that deductible. This process is called subrogation. The return of your deductible isn't guaranteed, nor is the timeframe for its return known...since it's dependent upon it being paid back by the other carrier. Your alternative would be to go directly thru the other person's insurance, and not use that deductible at all.
2006-10-09 22:19:04 · answer #2 · answered by Pieandchips 3 · 0⤊ 0⤋
There are a few states that are "no-fault" states and how your coverages will apply depends on which state your are in. In some states the terminology only applies to the way the Personal Injury (PIP) coverage pays.
In Michigan, the term does apply to the collision coverage and whether or not you pay your deductible depends on your degree of fault in the accident and the type of collision coverage you selected for your vehicle.
2006-10-09 23:35:47 · answer #3 · answered by purplepinkanddots 3 · 0⤊ 0⤋
It depends on the jurisdiction and the definition of "no-fault" Im Manitoba, as well as many others, no-fault has nothing to do with your deductible, or vehicle damage, it applies only to injury claims. You really have to check the law in your state or province, and your insurance broker should be able to give you the information.
2006-10-09 23:38:55 · answer #4 · answered by Fred C 7 · 0⤊ 0⤋
In many situations yeah
2006-10-09 21:24:41 · answer #5 · answered by one up 2 · 0⤊ 0⤋
yes but you can sue them for it in court.
2006-10-09 22:11:03 · answer #6 · answered by Dave W911 3 · 0⤊ 0⤋