Does Michigan no-fault insurance mean nobody is at fault?

Question

Say you have an accident in michigan. the cop does not site you a ticket. on your record it is showing at fault. What the heck is it called no fault only when it is convenient? I'm confused. How can the state call it no fault when they are going to say its your fault? is that contradicting itself?

Answer 1

Hi,

If you were cited for a moving violation such as "Failure to Yield" or "Disobeying a Traffic Device", your insurance rates could go up. The insurance companies also have proved that based soley on statistics that once you are in an accident, you are more like to be in another accident. This can also add to your premiums. If the other party was clearly in the wrong you may wish to attemp an appeal.

Ask for advice from a reliable auto insurance agent. Talk with them about the details of your situation and see what they have to say.

Good luck!

Answer 2

No- fault has never meant nobody is at fault, that would make no sense.  It means fault does not have to be determined before payment of claim is started.

In some places, like Manitoba, it does not apply to the vehicles, only the injuries, in some places it applies to the vehicles.

But in no place does it mean you can never be at fault for the accident.

Answer 3

No Fault just means that YOU pay for YOUR damages and the OTHER party pays for THEIR damages.

It will STILL go on your license unless you can prove that the other party is MORE at fault than you.

Good luck and I hope this helps!