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Andy Said:

2nd try:I was hit by a car, the drivers fault. she had no insurance.?

We Answered:

This would be covered by your collision, less your deductible. Your insurance company will attempt to collect from the other party, by setting up a payment plan with her, seizing assets if she has any, attaching wages, etc. If they are successful, you will get your deductible back.
Why would your insurance company delete uninsured motorist?? Did you request this or did they? Were you given notice that they were going to do it? If you can get it back, get it back. If they can't offer it to you, get another company. It is one of the most important coverages you can have. Also, be sure to get uninsured motorist property damage (if available in your state) and get underinsured motorist coverage.

Henry Said:

Does anyone know in detail what no fault car insurance is?

We Answered:

No fault insurance covers your vehicle no matter who is at fault (up to your insurance coverage limitations). It also covers you for any injuries automatically so you don't have to wait for the insurance companies to settle who's at fault until the medical bills get paid.

In other words, it basically means that if you're involved in an accident where damage, injury, or both occur, you have to deal with your own insurance company to make a claim. Doesn't matter if you're at fault, or the other person. Also limits lawsuits that you can file for an accident.

Fault is always determined in an accident, whether there's an injury or not. They'll sometimes find each driver at a percentage of fault. Just for example, say you didn't brake fast enough, or didn't honk your horn, so you'd be at 20% fault.

Rose Said:

Under No Fault Insurance, what can you do if someone hits you and totals your car?

We Answered:

I work for an insurance agency in Michigan (a no-fault state). If you are not at fault, then you may file a mini-tort claim through the other drivers insurance. The maximum you may receive under mini-tort is $500

Carla Said:

Is a police report required for no-fault insurance holders?

We Answered:

Insurance companies usually want a police report just because the other driver's information tends to be more accurate and they want to make sure that the police responded to an actual accident...not someone who goofed backing out of their driveway and caused more damage than they thought. They are trying to avoid insurance fraud. Also, if an officer responds, they are more likely to indicate in the report who was legally at fault per the traffic codes of that state, and the insurance company can make a better determination of who should be held liable.

Dave Said:

Can anybody tell me what is no fault insurance?

We Answered:

In its broadest sense, no-fault insurance is a term used to describe any type of insurance contract under which insureds are indemnified for losses by their own insurance company, regardless of fault in the incident generating losses.