"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.
__________________
Gary Brinck
Former owner of 2004 American Tradition and several other RVs
Home is West Palm Beach, FL
|