How Auto Insurance Works - No Fault States

[@Darruus]

I’m a p&c desk underwriter and my job often involves non-renewing policies. I sometimes have people appeal and say “how can you put me at fault for this accident, I live in a no-fault state.” So I then have to explain that doesn’t mean there’s not an at fault party. You still backed into them or rear ended them or whatever the case is.

[@ShineInsurance]

Interesting. So folks have to pay the higher rates that come with insurance in a no fault state but still get penalized for being At Fault. Can totally see why that feels unfair. Makes sense from an inside perspective though. The idea that getting in a bunch of accidents is going to make your insurance go up is still a deterrent to unsafe driving.

[@Darruus]

@@ShineInsurance well yeah I mean they’re still at fault and at some point their frequency is outside the scope of our policy.

[@adrianford8823]

7:23 THANK YOU SO MUCH THIS IS JUST WHAT I NEEDED TO HEAR

[@chihlinko]

Great video, now I know the differences between bodily and pip

[@ElloBoppit]

These are super helpful videos, insurance in these situations are enigmatic, and you help explain many of the terms used by the insurance agencies.

[@reinaldoartiles8719]

Great video. Simple to follow and easy to understand.

[@ShineInsurance]

Reinaldo Artiles glad it was helpful.

[@thomasdelaney9370]

A little verbose, but good info

[@autoinsurancechannel3300]

Good information and very helpful. Thanks a bunch

[@scopeinsurancebrokerage5283]

GREAT VIDEO, LEARNED A LOT .THANK YOU

[@ShineInsurance]

Yay! Glad it was helpful.

[@keniagonzalez300]

im taking p&c text this video is really helpful ...Thank you !

[@jeremygoodrich1459]

Awesome Kenia, best of luck with the exams. You'll do great!

[@MsPrettymamii]

I wish this video was available 22yrs ago when I began working as a No-Fault Examiner!! This is by far the most simplified explanation of what No-Fault entails. I can say, the refreshment course was greatly appreciated 😉

[@ShineInsurance]

sandra joseph aww, so glad you like it. We’ll start working on a KZbin time machine.

[@twalsh27]

I live in a no fault state. Say someone backs up into me in a parking lot (I'm parked and I just left the store, witnessed the fender bender). When I file the claim, will my insurance rates go up?

[@jzdxdx]

Simply great videos.

[@ShineInsurance]

YAY! Glad to hear it was helpful.

[@thesouthernmostsun3416]

i used this as study material for work, thanks, now i might not get fired

[@ShineInsurance]

The fact that we helped you keep your job is the coolest thing ever! Unless you're really bad at it...then we feel kind of guilty.

Michigan has the highest insurance rates on earth

[@missireason8998]

I heard that MI is reforming its laws on No Fault insurance, so your rates will hopefully go down.

[@silviaamorim4044]

Help me please . No fault 3 claims , nobody help me I can’t drive a car that people destroy. State Farm kicking off a car that I don’t even drive . The car is in GA I live in FL!

[@desert-baytan3350]

I came here because I was hit in the rear end and it threw my drawer forward and chipped the tooth now I don't know what to do next their insurance is Allstate I did go to the hospital have an MRI because I couldn't swallow my neck was swollen on the inside and they did MRI in a chest that's right

[@desert-baytan3350]

Update I just went ahead n got an attorney Allstate hung up on me twice

[@neilpostlethwaite9035]

Insurance in US is nickel and dining madness.