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[div class="dcquote"][strong]Quote[/strong][div class="dcquote"][strong]Quote[/strong]Insurance company said that they would count it as an at-fault accident, and the payout would be subject to his deductible. He passed.[/div]That's illegal. It should be considered a no-fault, claim only, subject to his deductible.Report them to the insurance commissioner.[/div]My dad sold insurance for awhile.WTF is a "no-fault" claim only? Do you mean a comprehensive claim as opposed to a collision claim?In general, if you're in the car and it's moving, and you hit something, say, a piece of angle iron, or a tree, it's considered a collision claim, and if you're the only driver involved, it's at-fault. In no-fault states, like MI, the insurance company still determines whether you were at fault or not and pays accordingly.Comprehensive would only cover vandalism, accidental damage when parked, etc.When I sucked up seaweed in the water intake on my boat last year, and blew the engine, the insurance covered the repair and it went down on my policy as an at-fault accident.
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Maybe my situation was different. I was driving down the street when an idiot pulled out of his parking spot right in front of me. I hit him. Realizing it was his fault, he ran away. Hit and run. The insurance company ruled it a "Not-at-fault, claim only". I'm not an insurance expert, but that is what they told me. It goes down on my record as a claim, however I am not at fault. I had to pay the deductible, but they paid the rest of the $3K in damage.
I live in CA if it makes any difference.