Auto claim question- hit and run

[adjusterjack]

No-fault laws apply to injuries, not property damage. In every state a person who causes an accident is liable for the property damage.

Here's a more comprehensive explanation:

What Does No-Fault State Mean? – Policygenius

Find out if you live in a state with no-fault auto insurance, what it means for your coverage, and how fault laws vary from state to state.

www.policygenius.com

Also, in every state, a person whose property was damaged has the option of filing against the at-fault person or using their own insurance and their insurance can seek reimbursement from the at-fault person, usually via the at-fault person's insurance company.

 

[Allen Trent]

No-fault laws apply to injuries, not property damage. In every state a person who causes an accident is liable for the property damage.

Here's a more comprehensive explanation:

What Does No-Fault State Mean? – Policygenius

Find out if you live in a state with no-fault auto insurance, what it means for your coverage, and how fault laws vary from state to state.

www.policygenius.com

Also, in every state, a person whose property was damaged has the option of filing against the at-fault person or using their own insurance and their insurance can seek reimbursement from the at-fault person, usually via the at-fault person's insurance company.

In michigan, the at fault parties insurance carrier will not pay for collision coverage for the not at fault parties damage. Only time it will is if it was a parked car & paid under Property Damage.

The only amount a not at fault party can recover from the at fault party in a collision is max of $3000 (mini tort). The only way the at fault carrier would cover this max of $3k is if the at fault party carried optional limited property damage/mini tort coverage. Otherwise, it is settled in small claims court. This also isn't NY choice of the not at fault party, the only way to recover up to 3000 is if they didn't carry their own collision coverage or to cover a regular form deductible.

Michigan must be the outlier for sure

 

[adjusterjack]

The no-fault states (there are 12 I think) all have their own exceptions and nuances.