Car insurance update

rrlund

Well-known Member
NO-FAULT SUCKS! Another claims agent called me this morning. The good news,they don't have to tow it to one of their approved shops. He said we could just contact whoever we wanted to have fix it and State Farm would work with them. I told him I wanted the local shop to do it,so he took all of their info and said they'd contact Larry.

I thought I'd better run up there and tell Larry to be careful of the dog if we weren't home. When I told Lynn what was going on,she said they'd just have Jerry come and get it right now,that would solve the whole dog problem. So it's at the shop and that's all in the works.

Now the trouble with No-Fault insurance. The claims rep said that under Michigan No-Fault law,I can't go back on the other driver's insurance even though she was clearly at fault. Here's the kicker,he said I can't even take her to small claims court for the cost of the rental!

Only good thing at all was that he told me to call Enterprise and tell them that we'd had an accident and they'd give us a discount. Not much of one,but a discount. Today til next Wednesday is $198. Lynn said when we get back,they set us up with a loaner until they get our fixed.
 
yup, that was the whole purpose of no-fault here in Michigan: eliminate the lawsuits. At least your deductible gets waived if the other person is at fault, so there's no out of pocket cost on the repairs. As for the rental and inconveniences caused by the wreck, sometimes you just have to chalk it up to "that's life". Although, don't you have a spare tractor you could use in the meantime? :wink:
 
You cover yourself. The other guy covers himself. That keeps every little fenderbender out of court and the lawers out of it. Should make payoffs very quick. Very good on the surface, but the legislature couldn't leave it stand alone. All the little zingers they hung on it made it a nightmare. Then there are the exremely high limits on payouts, not to mention the catastrophic claims fund. Makes Michigan insurance very costly.
 
I hope this is current info,

https://www.michigan.gov/documents/cis_ofis_noflt_gd_25094_7.pdf

I really hope you are "made whole".
Lots of info on searching "made whole doctrine".

I have never been made whole IMO when dealing with insurance companies, IMO they are like the inside an oil can, slippery.
 
If the other driver is at fault, your insurance company should pay to fix your vehicle. They can go after the other drivers insurance after. No fault may suck, but it beats the heck out of the other option. If you don't have insurance to cover a rental, that will come out of your pocket. I agree it's stupid. Your insurance should pay out for it and collect from the other company later. By no fault of your own, you're without a vehicle. The other drivers liability should pay for it. I've had really good luck thus far in my short life. Two major deer hits totalling 18000+, and they were great to deal with throughout the whole thing. Can't complain, but I realize the company has so much to do with it.
 
How long has MI been a no-fault state? 20 years ago, I was a student in NY state, where they had no-fault... and they paid about a third in premiums as compared to what we did in WI. Not sure how MI would compare.

Be glad your wife is safe. It could have been a lot worse! Renting that car won't break the bank, and it will be cheaper than an ER visit, or a trip to the funeral home- both of which could have occurred!
 
I bought a nice used one. I didn't think twice about driving it to Ohio two weeks ago,but Tennessee is just more miles than I want to go with it. If I didn't have to take I75 through Cincinnati I would probably be OK with it,but if something gave out in that traffic coming over the bridge or up that big hill,it would be a death sentence.
 
Michigan was already a no-fault state back in 1978 when I moved there for a new job. Insurance for a rusty nine year old '69 Road Runner was pretty steep compare to back in Iowa.
 
Things that make you want to bang your head against the wall! We've tried to rent a pickup from Enterprise before to drive on the 127 Yard Sale and they wouldn't rent one to us. We have a debit card and they said to rent a pickup or full sized van,you need a credit card instead. So I called this morning to get a mid sized sedan,figured it would get good mileage. Got there and the guy took us out to a Dodge Dart and we gave it a going over. He couldn't get his hand held device to do what he wanted it to. Customers were piling up,so he threw up his hands and said "Take the Silverado". So,we have a gas guzzling four door pickup with no reason for taking one this time. He charged us the same price as the Dart,but the gas will cost us more.
 
How do they adjust the premiums on no fault policies? Does everyone have "full coverage"? Obviously a $70k truck would cost more to insure than a $8k truck but what if you own 10 vehicles?
 
Last time I lived in Michigan you could sue them for $400 or $500 to cover your deductible, that was a change they made in the no fault law as a result of a Supreme court decision that was about to toss the no-fault thing out. No fault has it's advantages and disadvantages but I think the Con outweighs the pro, I think it's mostly a big juicy favor the state legislatures give to the insurance companies. I had one of my employer's vehicles hit while it was parked so it wasn't a no-fault claim. By chance the guy who hit the truck was insured by the same insurance company I use on my personal vehicles, the claims experience is much different when they have to be nice to you to get you to sign the release (factory/OEM parts? no problem, take it anywhere you want and have them send up he estimate on this claim number).
 
Michigan no fault covers policy holder's meical and lost wages. All extra coverages are optional per policy holder's decision. Collision, comprehensive, road service, costs depend on particular vehicle costs and repairability, and risks related to location, driving history and milage driven.
 
Hey Randy-down below you mentioned going thru Cincinnati on I-75.You may want to go around I-275,because the I-75 bridge is down to 1 lane in both directions because of construction or something.Terrible delays right now the last I heard.Mark
 
RR I would not take some bone heads opinion on the law. We fleece em and good may be needed here!!!
 
I think 'rental car coverage', like emergency road service are options one can choose to have, with a bit more premium.
 
Randy will this accident count against you if you would have an at fault accident in the near future????

The reason I am asking is a fellow I worked with had a guy cross the center line and hit him head on. Totaled his pickup. drive had zero insurance. About a month later his wife's car was hit in the parking lot while she was shopping. His insurance went way up in cost because of these two accidents. Neither of them being his or his wife's fault but his insurance company did have two payouts in under a year. Even shopping around did not save him much money on coverage until the accidents dropped off.

So in a "no Fault" state how does the insurance company treat accident claims against your coverage cost????
 
That MI no-fault is the reason your insurance premium is so high. Tell your legislators that you want it repealed, it's brought up every so often, I think just earlier this year too. It always seems to fail. Good luck.
 
(quoted from post at 22:30:54 08/17/17) I think it's mostly a big juicy favor the state legislatures give to the insurance companies. I had one of my employer's vehicles hit while it was parked so it wasn't a no-fault claim.

Auto insurance companies DO NOT like no-fault and have backed every effort to get rid of it in MI. I think it's your leftist attorneys that like it and are very powerful.
 

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