Who actually benefits from NO FAULT insurance??
I just got rear-ended for the third time in two years, and I’m furious. The guy didn’t have any money, and when the police arrived, they told me that since I don’t have full coverage, I have no recourse. The last time I was hit, I managed to get cash from the person who rear-ended me after I replaced my trunk lid, but he technically wasn’t obligated to pay.
I’m also wondering if I can still file a claim with their insurance, considering I’m in Michigan, and their license plate was from Ohio while their driver’s license was from Illinois.
It sounds incredibly frustrating to deal with that situation, especially being rear-ended multiple times. In Michigan, the no-fault insurance system means that your own insurance usually covers your medical expenses and vehicle damage, regardless of who is at fault. However, it can feel like you’re left without recourse when other drivers don’t have coverage.
Since the other driver was from out of state, you may have some options. You could report the accident to your insurance company, and they might help you navigate the claims process with the other driver’s insurance, especially since they had an out-of-state plate. Additionally, consider looking into your policy details; sometimes personal injury protection (PIP) benefits can cover certain expenses even if you don’t have full coverage.
If you’re unhappy with the help you’re getting, it might also be worth consulting with a lawyer who specializes in auto accidents to explore if you can pursue any further claims. You deserve to be compensated for the damages and injuries you’ve incurred!