Community Chat

[Group 5 minus 1]

@NicksmomESQ Not the case In MI.

[Group 5 minus 1]

When our car was hit and damaged by the driver of another car our insurance paid us for the repair.  That is also no fault in our state.

[ellaphant]

Insurance is a racket. They can drop you, raise rates, etc., in the blink 

of an eye. I have never and will never let anyone drive my car!

[CelticCrafter]

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@Group 5 minus 1 wrote:

When our car was hit and damaged by the driver of another car our insurance paid us for the repair.  That is also no fault in our state.

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@Group 5 minus 1 did you have collision coverage on your car?  That's the only way you're getting paid by your insurance company for damages to your car. 

[NicksmomESQ]

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@Group 5 minus 1 wrote:

When our car was hit and damaged by the driver of another car our insurance paid us for the repair.  That is also no fault in our state.

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@Group 5 minus 1  They paid you because you have Collision coverage. When your insurance company pays you for damage to your car,it's first party coverage. In Michigan No Fault refers to your injuries & damage you do to other peoples property not your car.You must have separate Collision coverage for that. They will also represent you if you are sued.

[bonnielu]

Whole side.  Stone wall.  I reported the accident.  But  I did get their permission for him to drive the car for one month.  I understand they had to pay. I understand it was his fault.  

What I did not expect was he was banned for life for every driving my car. I didn't expect the umbrella policy to be involved.  

And I didn't expect the fact there was no one to talk too.  Insurance company changed hands so many times. Now that it is settled I am going to look for another  insurance company that has  1.  Local offices   2.  Easy way to reach them.     

And no....  I wlll never have anyone drive my car again.  

[Group 5 minus 1]

Hubbs tells me that when "no fault" was on the ballot in Michigan,there was soooo much controversy especially from the trial lawyers.

[CelticCrafter]

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@Group 5 minus 1 wrote:

Hubbs tells me that when "no fault" was on the ballot in Michigan,there was soooo much controversy especially from the trial lawyers.

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@Group 5 minus 1 that's because it limits the right to sue.

[Trailrun23]

What insurance company are you with? I would change to another company if they did something like this to me. No way to treat a longtime customer with few claims. Sounds like a State Farm.