:[ Q3Arena.com Message Board ]: : New York State No Fault Law

my profile | register | search | faq | forum home

»	:[ Q3Arena.com Message Board ]: » The Lounge » New York State No Fault Law

UBBFriend: Email this page to someone!

Author

Topic: New York State No Fault Law

GFKiller
The Man
Member # 2

Member Rated:

posted 02-20-2006 10:26 PM

Is fucking bullshit. I shouldn't have to pay shit when some dumb fucking old cunt runs a red light and hits me. Fucking bullshit.

Posts: 1761 | From: Staten Island, NY | Registered: Jun 1999 | IP: Logged

mynameisxanthan
Sarge
Member # 3045

Rate Member

posted 02-20-2006 10:46 PM

/me rear ends GFK

Posts: 1148 | From: in your pants | Registered: Jan 2004 | IP: Logged

AcidWarp
Sarge
Member # 997

Member Rated:

posted 02-22-2006 01:11 AM

Can you please explain?

--------------------

“I have noticed even people who claim everything is predestined, and that we can do nothing to change it, look before they cross the road.”

“Intelligence is the ability to adapt to change.”

--Dr. Stephen Hawking.

Posts: 4363 | From: Waterloo, Ontario | Registered: Nov 1999 | IP: Logged

dAm
Sarge
Member # 2600

Member Rated:

posted 02-22-2006 02:02 AM

as per google:

quote:
What is the difference between ‘no-fault’ and ‘at-fault’ ?
Often, the laws of the state in which the accident occurs determines who pays for the damages incurred in an accident. About half of the states in the US have adopted so-called "no-fault" liability laws. Under a no-fault system of law, it does not matter who was "at-fault" or "caused" the accident. No-fault states adopt the approach that everyone is to "make themselves whole" after incurring damages as a result of an auto accident. By making everyone responsible for his or her own loss, states hope that the number of lawsuits will be reduced, since liability does not have to be determined.

quote:
In a pure "at-fault" state, the person who caused the auto accident is responsible for payment of all of the damages sustained by everyone involved. The theory in an at-fault state is that the person (or people) who caused the loss must make everyone else whole again, thus everyone is held accountable for the results of his/her actions. In "at-fault" states, courts (through lawsuits) are often called upon to resolve the issue of whom is the at-fault person and will be the one to pay for all damages.

--------------------

Shut-up and fish

Posts: 577 | From: Calgary | Registered: Nov 2001 | IP: Logged

GFKiller
The Man
Member # 2

Member Rated:

posted 02-22-2006 10:02 AM

Thanks for summing it up dAm because I'm too pissed to do it.

This is only the second action I've been in. And also the second time it ain't my fault. And also the secound time I'm going to get raped by the insurance company.

Posts: 1761 | From: Staten Island, NY | Registered: Jun 1999 | IP: Logged

AcidWarp
Sarge
Member # 997

Member Rated:

posted 02-22-2006 10:21 AM

Ah, ic.

Yeah, that sucks.

--------------------

“I have noticed even people who claim everything is predestined, and that we can do nothing to change it, look before they cross the road.”

“Intelligence is the ability to adapt to change.”

--Dr. Stephen Hawking.

Posts: 4363 | From: Waterloo, Ontario | Registered: Nov 1999 | IP: Logged

Cacophonous
Sarge
Member # 19

Member Rated:

posted 02-22-2006 10:53 AM

In Michigan (a no-fault state) if you have the proper coverage you never pay a thing if it is not your fault. Your insurance company pays for your repairs and the other person's insurer pays for their repairs. Only the person at fault pays a deductible.

--------------------

...

Posts: 5571 | From: Yes | Registered: Jun 1999 | IP: Logged

GFKiller
The Man
Member # 2

Member Rated:

posted 02-23-2006 11:56 AM

Well I'm still waiting for the Police Accident Report. Last time I was in an accident, I had that report the next day.

I'm on day three waiting for this thing now. I want to get the damn ball rolling already. I'd imagine I'll have to pay my deductable again ($1000). Fucking pain in my ass.

Posts: 1761 | From: Staten Island, NY | Registered: Jun 1999 | IP: Logged

Cacophonous
Sarge
Member # 19

Member Rated:

posted 02-24-2006 07:23 AM

If it's proven to be her fault you should have to pay a thing unless you don't have proper coverage.

--------------------

...

Posts: 5571 | From: Yes | Registered: Jun 1999 | IP: Logged

Cacophonous
Sarge
Member # 19

Member Rated:

posted 02-24-2006 07:26 AM

Normally with no fault insurance, your insurance company pays for your repairs and her insurance company pays for hers. Whoever is at fault pays their deductible and it's waived for who is not at fault.

--------------------

...

Posts: 5571 | From: Yes | Registered: Jun 1999 | IP: Logged

GFKiller
The Man
Member # 2

Member Rated:

posted 02-24-2006 10:26 AM

Well the adjuster is going to look at my car today. Its the adjuster from her insurance company. They might end up paying for everything anyway because I think they're afraid of a lawsuit considering she ran the light.

To be continued... In other news, my back kind of hurts since last night. Its probably unrelated, but hey I might use it as an excuse to go see the doctor and get more money.

Posts: 1761 | From: Staten Island, NY | Registered: Jun 1999 | IP: Logged

Cacophonous
Sarge
Member # 19

Member Rated:

posted 02-28-2006 08:59 AM

Ok I found out how it works in Michigan.

If you have basic collision then you pay the deductible even if it is not your fault. You can go after the person at fault's insurance or the actual person to get back your deductible.

If you have broad collision then you only pay the deductible if you are at fault.

I have broad collision.

--------------------

...

Posts: 5571 | From: Yes | Registered: Jun 1999 | IP: Logged

GFKiller
The Man
Member # 2

Member Rated:

posted 02-28-2006 02:49 PM

So the Adjuster for Progressive (the woman's insurance company) asks to see my car at the autobody shop. (Usually, when they want to see it, they are planning to take the claim)

So they go to the guy at the autobody shop (also a family friend) and say they want to take a look at the car. So the guy is like "So you're taking the claim?" and the adjuster says no, we just want to see the car. He told them to get the hell out of there because if they aren't taking the claim there's no need for them to see anything. Fucking joke.

So I'll have to go through State Farm, pay the deductable, and hope State Farm gets some money back from me though Progressive in the future.

Posts: 1761 | From: Staten Island, NY | Registered: Jun 1999 | IP: Logged

Cacophonous
Sarge
Member # 19

Member Rated:

posted 02-28-2006 06:04 PM

So you do have basic and not broad collision coverage?

--------------------

...

Posts: 5571 | From: Yes | Registered: Jun 1999 | IP: Logged

J0SH
Sarge
Member # 103

Rate Member

posted 03-01-2006 08:36 AM

I don't get it...I am in New York and anytime there's an accident the person who's at faults insurance company pays for it. Especially in a case where someone runs a red light. How could they claim that's your fault or no fault?

--------------------

I am.

Posts: 1591 | From: buffalo new york | Registered: Jun 1999 | IP: Logged

GFKiller
The Man
Member # 2

Member Rated:

posted 03-01-2006 11:18 AM

To be completely honest, I'm not sure. I need to check into it.

Josh: I think the laws in the city is different from the rest of the state. It's all fucked up.

Posts: 1761 | From: Staten Island, NY | Registered: Jun 1999 | IP: Logged

Cacophonous
Sarge
Member # 19

Member Rated:

posted 03-01-2006 12:29 PM