Coverage & Claims

My car knocked me down and I broke my hip. Do I need to file a claim?

I'm sorry to hear about your accident. North Carolina is not a no-fault state so you don't need to file a claim, and you can use your health insurance instead for your hip.

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Coverage & Claims

If two people are in an accident in a no fault state, who pays?

In Florida, you are required to have what's called personal injury protection (PIP). This coverage kicks in if you are injured in an accident.

Coverage & Claims

What is acceptable proof of MVAIC?

You really need to contact MVAIC to ask what is considered acceptable proof. The police should be able to provide you with a police report.

General Insurance

I got into an accident in a no-fault state but I live in a fault state

Just to clarify, no-fault only refers to bodily injury - not property damage. If you no one was hurt, as you said, that would not be a factor here.

Coverage & Claims

Do I need no-fault coverage?

You can't really get no-fault unless you live in a state where it is required. Currently, 12 states have no-fault insurance laws: Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania and Utah.

General Insurance

How does being rear ended affect your car insurance in a no-fault state?

Because of the way Utah's no-fault car insurance works, every driver is required to file a claim with their own insurance company after an accident, regardless of who was at fault. This is typically covered by your Personal Injury Protection coverage.

Eligibility

Why is car insurance so expensive in Kentucky?

Kentucky is much more expensive due to their insurance laws. Indiana only requires you carry liability insurance.

Coverage & Claims
General Insurance

My coverage was cancelled and I got into an accident

Although you do live in a no-fault state, this only applies to any bodily injury claims that could have occurred - not physical damage to any vehicles. Unfortunately, because you didn't have liability insurance at the time of the accident, you are out of options.

General Insurance

Can I reduce my car insurance coverage after I retire?

Although you are retired, you are still required to carry the state's minimum insurance limits - which include PIP coverage. Because Michigan is a no-fault state, your occupation status unfortunately does not matter here.

General Insurance

I was rear-ended, will my insurance increase?

Because of the nature of Michigan's, each driver is responsible for damage to their vehicle so when you file a claim with your insurance company, your rate very well could increase. It will depend on their underwriting department.

Coverage & Claims
Eligibility

Am I responsible for damages to another vehicle in a no-fault state?

Although you're right and Michigan is a no-fault state, this refers only refers to bodily injury claims. Things like physical protection to your vehicle aren't covered under this definition.
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