At Fault VS No Fault Auto Insurance

[@missireason8998]

WV is a No Fault state, and the PI lawyers are out of control. My husband and I can watch a 30 min. show, and there will be 6 commercials for PI lawyers. It's ridiculous. One lawyer stands on the top of an 18-wheeler, and pleads with the viewers to call him if they're in an accident with an 18-wheeler. My insurance rate went up 68 per month, simply for moving to WV from an At Fault state. My agent said the high premiums in WV are due to fewer insurance carriers waiting policies, which stems from lawsuits, the amount of uninsured drivers, which goes back to the huge premiums. I personally think the Insurance Commissioner being appointed in WV plays a factor. In other states the commish is elected, and must work for the constituents.

[@ShineInsurance]

Great points. Here are some answers: - WV Price: Insurance is more expensive in no fault state than at fault states... SORT OF. The price has more to do with smaller claims than big ones with lawyers. Because your company has to pay for damage no matter who's fault it is, they can't give the kind of discounts for good driving, no accidents, etc that companies can in At Fault states. So price is more level across all drivers. That means it feels really expensive for good drivers with a clean record. Bad drivers actually pay less in No Fault states than they would in At Fault states. - Ambulance Chasing Lawyers: The No Fault approach was created to try and limit all the litigation. But lawyers gonna law. So now , instead of getting people to hire them to sue the other person's insurance, lawyers are getting people to hire them and sue THEIR OWN insurance company. They are going after the PIP coverage. It's actually made things worse (especially in Florida). So, lawyer sue and make a bunch of money. Insurance companies raise prices as a result. Hope this helped.

[@missireason8998]

@@ShineInsurance This sure did help. Thanks! In NC, things were computerized. All info was linked to the Tag. It was virtually impossible to go without insurance. If you cancelled your insurance, the agent hit a key stroke, and the DMV was notified. In WV it is still on paper, the mischievious trend is a driver will purchase 30 days of insurance, take the certificate to the garage for inspection, then cancel the next day after they have obtained a year-long Tag sticker, and year long Inspection sticker. If stopped by police, the paper and stickers is all the police got for reference. In NC, police know all the specs just by running a driver's Tag number. It just seems to me that insurance premiums were fair for good and responsible drivers in NC (@ fault) vs. WV (no fault). A childhood friend of mine has been in 3 wrecks, and she has sued her insurance all 3 times, and upon hearing this, I thought it was insane. I now understand, from your explanation, what she did, and why, even though I have a hard time accepting it. Being a person raised on personal accountability, and accepting fault, when it's due, I reject the whole No Fault legislation at my core. But I guess this is the beauty if living in the USA, we can live in the state that best suits us. We can also vote for change on issues that matter to us.

[@ShineInsurance]

@@missireason8998 Well put all around. We are in Indiana and it's much closer to WV than NC. At least we're At Fault though.

[@shawnchill309]

A deer ran into my rental, am I still required to pay my insurance deductible to cover repairs?

[@ShineInsurance]

Yes. The coverage for deer hits is under “comprehensive or “other than collision” coverage. It may have a different deductible.

[@alaidelotero4391]

Hi! Thanks for your videos. Very informative. I have a question please. If you live in a not at fault state and you get rammed by someone that obviously is at fault. Can you recover your deductible through his/her insurance? Or do I have still to pay the deductible even when it is not my fault? Thanks

[@ShineInsurance]

Good question. The deductible is still going to be your responsibility in most scenarios. That's what's annoying about No Fault, even if it isn't your fault you have to navigate the claim in the same way as if it was.

[@chrisarmon1002]

Hello: so this is embarrassing but here’s my issue. I was in a car accident and my policy just canceled a day before ( worst luck) but it was the other drivers fault. She ran a red light. So pretty much I had no insurance at the time of the accident. Now if it’s the other drivers fault dosent their insurance STILL! Have to cover your car ?

[@ShineInsurance]

That's a total bummer. This should not have any effect on the other driver's coverage. If they are deemed "liable" for running into you, and the accident happened in an At Fault state, their policy should respond by covering the damage to your car. There likely will still be some consequences for not have insurance though. Most states require you to show that you had insurance at the time of an accident. If you didn't, they would hand out a penalty that could range from a ticket to a license suspension. I would contact your insurance company and see if there is any way to "reinstate without a lapse in coverage". If it was only one day you may still be in a grace period where paying the premium could solve the issue. Don't get your hopes up but definitely put the effort into trying that avenue. Hope this helps and let us know how it turns out.

[@chrisarmon1002]

Shine Insurance the issue is kinda complicated, so her insurance is denying it’s her fault, even though the evidence would suggest in fact it is. Video, pictures, ect ect yet her insurance still! Does not want to take responsibility. As for me my insurance is also denying coverage because I was not insured at that exact time. So pretty much the insurance denied her insurance claim. I believe this will more likely go to court where I will prove with the evidence it was her fault running a light. So if her insurance denies it’s her fault. This more likely means I have to pursue it to a small claims right ? Thank you.

[@ShineInsurance]

@@chrisarmon1002 That indeed seems to be your only option. Consider the cost when you go down that road though. Lawyers can be expensive. If there is concrete visual evidence that she ran a red light, you may have a chance. Otherwise, winning is going to be really hard.