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Originally Posted by host
I have a considerable amount of experience in the area of auto accident claims and in judging the "quality" of the competing, major insurance carriers.
"No fault" is a term reserved for bodily injury claims, not property damage. Some states have laws, where, below a certain monetary threshhold, for the purpose of avoiding lawsuits and protracted negotiations over small dollar amount medical expenses, they are considered "no fault"....your own carrier pays the medical bills, without consideration of who is "at fault".
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I am no expert but I beg to differ unless I misunderstood you. I define bodily injury as happening to a person as in medical, property to something outside the car and comprehensive/collision as the actual car.
No Fault in MI means your insurance company pays for damage to your car (as in collision), regardless of who is at fault. If you are sitting on the side of the road and someone slams into you, your insurance pays for your car. You pay a deductable unless you purchase the broad form coverage which then takes car of your deductable AS LONG AS you are less than 50% at fault.
Although I was never involved in an accident in FL, another no fault state, I'm, pretty sure the same thing applies there as well.