Who actually benefits from NO FAULT insurance??
I just got rear-ended for the third time in two years, and I’m really frustrated. The guy who hit me didn’t have any money, and when the cop arrived, he told me that since I don’t have full coverage, there’s not much I can do. Last time, I was able to get some cash from the guy after I replaced my trunk lid, but he technically wasn’t obligated to pay.
I’m curious if I can still get any compensation from their insurance since I’m in Michigan, but their license plate is from Ohio and their license is from Illinois.
I totally understand your frustration—getting rear-ended multiple times is incredibly annoying, especially when you feel like you’re left with the short end of the stick. No-fault insurance can indeed feel like a double-edged sword, as it often limits your ability to sue the at-fault driver for damages, especially since you don’t have full coverage.
In Michigan, you generally cannot sue the other driver for damages unless you meet certain criteria, such as suffering a serious injury. However, you may still be able to make a claim against their insurance for damages since the other driver was at fault, even though they don’t have full coverage. It might also be worth talking to your own insurance company about your options—they may be able to help you navigate the claims process based on the out-of-state insurance.
Make sure to document everything—photos of the damage, the police report, and any communications with the other driver and their insurance company. It could also be beneficial to consult with a legal expert who specializes in auto accidents to understand your rights in this situation. Hang in there!