Community Forums

kat940 · 10-25-2022, 05:50 PM

We were in an accident that involved only our trailer. The police came and made a report and the officer said, “We do not determine blame.” When we got the report it has us listed as “Unit 1” and notes that we were not compliant and we “misjudged clearance”. No one received a ticket, this was in Kentucky and we are from Michigan, both states are No Fault states. Our pictures clearly show that the other vehicle moved and caused the accident. Our truck was not damaged, so we put a claim with our camper insurance and they are paying for repairs less our deductible. The other vehicle’s insurance company (corporate for a garbage truck) has not contacted our vehicle insurance to pay their deductible. My question is: Will this affect our insurance score for our vehicle and/or our camper? Should we contact the State of Kentucky to add a statement to the police report. How do we protect ourselves?

Toby Dog · 10-26-2022, 04:29 AM

Usually no fault is just that. Your company pays minus the deductible and you move on.

Mudfrog · 10-26-2022, 07:36 AM

Quote:

How do we protect ourselves?

You can talk to your agent and see what he or she says but I'm not sure it will do much good. Even though you may not have been at fault, your insurance is in the loop now and proceeding with the claim.

Edited to add: I'm thinking no fault covers medical and loss of wages. I don't think it has anything to do with damage to vehicles. Yes, I would say that it'd be good to let your insurance company know if you have proof it was the other driver's fault.

twogypsies · 10-26-2022, 12:51 PM

No fault insurance: https://www.alllaw.com/articles/nolo...laim-work.html

Your insurance company is the one where you should be asking questions; not a RV forum.

Ray,IN · 10-26-2022, 05:23 PM

Quote:

Originally Posted by twogypsies

No fault insurance: https://www.alllaw.com/articles/nolo...laim-work.html

Your insurance company is the one where you should be asking questions; not a RV forum.

and I haven't even stayed in a Holiday Inn this century.

Gary RVRoamer · 10-27-2022, 03:34 PM

"No fault" is a liability insurance term. You made your claim against your collision insurance, so "fault" is not relevant. That's strictly between you & your insurer.

If the other party doesn't file a claim against you for damages to them or their vehicles, then there is nothing to defend against there either. Your insurer is obliged to defend you if that happens, so ask your insurer about how they handle it if it happen. Typically the insurers agree on a release of damages (a formal letter) so that there is no lingering question about getting sued years later.

As someone else stated, "no fault" usually only applies to bodily injury and its repercussions (like lost wages), so damage to vehicles would not be included, but each state has its own rules for that. I won't try to say how your state handles that, so again, ask your insurer.

As far as your "insurance score" (whatever that is), it's between you and whoever keeps the score. Either your insurer or your state insurance commission. Nobody here can tell you that.