Since you arent at fault the other drivers state mandated liability insurance coverage would generally pay for damage to your car and property and for your medical bills for injuries up to the limit of the policy.

What happens if the person at fault in an accident has no insurance in california. It comes into play when you are involved in a car wreck with an uninsured driver. The total for a first offense can add up to just under 500. Under this plan all Quebeckers are covered by the Société de lassurance automobile du Québec for bodily injury sustained as the result of an auto accident whether or not theyre responsible.

No-fault insurance also known as the Ontario Motorist Protection Plan is a system outlining how claims are handled by insurers and simplifies the claims process for drivers involved in a collision. Impossible to say how your insurance company will treat the fact of the accident for rating purposes. Your ability to sue in no-fault states is restrictedyou typically cant sue the other driver unless you suffered serious injuries andor incurred medical bills over a certain amount.

Uninsured Motorist Coverage UM is not required in California but many people carry it and it is a wise investment. They will then pursue the insurance company for the at fault driver as well as your deductible. No-fault insurance means that your insurance company will pay your claim no matter who is found at fault not that there is no fault at all.

There are certain criteria that must be met. The FSCO explains. As of June 1 2016 insurer cannot increase your costs for your first minor at-fault accident within a three year period.

No-fault means that regardless of who is at-fault for an accident each drivers insurer will handle their claim. Your insurance company will handle this under the collision and apply the collision deductible. The other driver will file a claim with their insurance company.

If the car accident was your fault Scenario 1. If you are at fault. Maybe its unfair but not-at-fault accidents can cause your rates to riseEverything depends on the policy of the insurance company for not-at-fault accidents and the law in your stateSome states forbid this act and prevent the insurance companies to raise your rates if you were part.