Random question for people who have had a recent-ish accident

[Anonymous]

Was speaking with a friend last night and the subject of car accidents came up. We discovered that between us, we know 4 people who were involved in crashes in the past 18 months. Strangely, even though the circumstances of each were different, no fault was assigned in any of the cases. What does that do to our insurance if no one is ever assigned fault? Does everyone's insurance go up?

I thought that was odd. Is that the way it goes now? Just wondering if anyone else has any anecdotal data.

[Anonymous]

I have the record I think. My last six vehicles were totaled or stolen.

Jeep, Mercedes, Mercury, Chevy, GMC and BMW. Last one happened a week ago.

I was not liable all six. Just bad luck.

[Anonymous]

I think they live in a no fault state.

[Anonymous]

Anonymous wrote:I think they live in a no fault state.

Actually the term “no-fault state” refers to something entirely different.

[Anonymous]

We're in Maryland and my anecdotal experience (ours and our friends) is that each driver's insurance company pays for the repairs on their respective cars. Most recently we had this when my wife was rear ended at a red light. Doesn't matter, the drivers file claims with the own insurance companies and, usually, their rates go up accordingly.

The only exception we had was when the police were on the scene, filed a report and issued a moving violation to the other driver. I think that's the only way to put yourself in the clear.

[Anonymous]

I was in an accident a few months ago. An eyewitness called 911 and said that she saw the other driver run a red light and hit me, but she called from a restricted number so police were unable to call her back and follow up. So it came down to my word vs the other driver. So no ticket.

[Anonymous]

Anonymous wrote:I was in an accident a few months ago. An eyewitness called 911 and said that she saw the other driver run a red light and hit me, but she called from a restricted number so police were unable to call her back and follow up. So it came down to my word vs the other driver. So no ticket.

I rolled through a stop sign once and other driver without a stop sign caused accident according to eye witness. Of course we each paid to fix own car.

She was speeding, not looking at road, did not honk or hit brakes. I saw her and I actually tried to accelerate by her as my nose already in front but she plowed me in middle of car.

She was one who had witness speak to cop. I was suprised in police report