j********d
发帖数: 157 | 1 Here is a special case of auto insurance claim due to traveling. My
question is if the claim shall follow Michigan or Maine's rule? And I would
appreciate interpretation of insurance rules from Michigan residents.
I came from PA, went to Maine recently and backed up onto another car (with
a Michigan plate) in a parking lot. The front bumper of the other car was
damaged (a 2-inch long crack). No one was in the other car, so I left a
note of my phone # on the other car and continued on my trip. A few hour
later, I received a phone call from the Michigan car owner. My cell phone
had poor reception, so we talked briefly and will call again when both are
back to hometown on Monday the 20th.
It was my fault and my car has to be repaired and paid from my insurance (I
have full coverage) less deductible. From the link below, since the damage
was minor here, Michigan's rule (No fault auto insurance) is to have the
other car's repair paid from
his insurance even if it was my fault. The Maine's rule may be different,
which state's rule shall be applied?
http://www.msba.org/sec_comm/committees/lawscomm/legislativepro
"No fault auto insurance is the type of coverage in which a driver's own
insurance company pays for the injuries or damages of the insured party
regardless of fault."
...
"Verbal Threshold
Injured drivers must demonstrate that damages fit the definition of "serious
" as described in the statute in order to sue for their damages. All other
damages are compensated by a driver's own company: New York, Michigan,
Florida (3)." | j*r
发帖数: 299 | 2 The owner of the other vehicle should make a auto damage claim to his
Michigan insurer. His MI No-Fault insurance will apply and his own insurer
should cover the auto damage to his vehicle. He will, however, be eligible
to make a at faut tort claim against your insurance, in order to recover the
deductible amount he will have to pay to his own insurer. This is usually
around $500, but it can vary. You should provide him with your insurance
company name, phone number, and the claim number your own insurance company
has provided you for your own auto damage claim. He should then call your
company, reference this claim number, and tell them that he would like to
make a deductible tort claim, since you were at fault. It will not
negatively effect you, but the fact that you were at fault may change your
insurance premium payment.
This is my waiver. Sometimes some states will not honor no fault insurance,
in which case you may have to follow the laws of that state. In this case,
Maine. This doesn't happen very often though and I do not know if Maine is
a state like this. States normally honor no fault insurance, and it is
rare that they don't.
Hope that helps. | w*******a
发帖数: 2409 | 3 按michigan的规则来，如果那辆车是在parking中的，你负全责。
但是事情发生地不在michigan，有可能是按照发生地的交规来。 | j********d
发帖数: 157 | 4 Thank you two for the reply which help me to understand the rules better.
My policy have $500 deductible, so I won't make a claim for repair of my car
since the damage is minor and I think I can find a place to fix it below $
500.
The damage to the Michigan car is also minor, I guess I can offer some cash
amount if he prefers to take the cash, in stead of repair and claim through
insurance. |
|
