What you are saying is that the police department determined that it was your fault; your insurance company investigated and determined it was your fault; but you still want to waste money suing your insurance company because of all the facts. Sure, sue away. Remember that you will have to prove that you have monetary loss because of something that they did. You do have loss as your premiums will go up due to the loss being on your record. You should also know that this will not make you look good to your insurance company from here on out. Have you spoken with the police officer about the report he filed and also his superior about reviewing the report that was filed.
The driver at fault is always responsible for damages incurred during an accident. The at fault insurance company is responsible for damages to your car.
Its your fault
Yes, if your own insurance is paying for an accident that you were at fault for provided you had full coverage and they are paying for your car. If the accident was not your fault, no you will not pay a deductible.
The vehicle at fault would normally use their insurance. If their insurance does not cover the damage or the police considered the accident a non fault, the car stopped at the light will have to pay for their own vehicle.
No fault car insurance is coverage designed to compensate victims of car accidents via their own insurance company, regardless of which driver was in fault.
Yes, as long as you had comprehensive and collision insurance on your own policy. Rental companies require you to have these and the other party will not pay for them.
If they are a no-fault p.i.p. state yes.
I have PLPD insurance and was in an accident that was the other driver's fault. The lady's insurance paid for the damages, around $3000 which was the blue book retail value of the car, and they paid for a rental car for a short period. Since I had PLPD insurance, I had to pay for extra insurance on my rental vehicle, $12 a day extra, that their insurance would not cover and came out of my own pocket.
No-fault insurance generally refers to the individual working with their own insurance company, despite who may have been at fault for the accident. In Ontario, the Ontario Auto Insurance sells no-fault insurance.
you may, but will likely not win...
They'll have an accident that is their fault, the insurance company will refuse to pay, the driver of the vehicle and the owner will be sued for everything they own and then some. Or they will be in an accident that is not their fault but the person who owns the vehicle will have their insurance cancelled and will have to pay a fortune for future coverage.
If the car that was involved, in an acident was insured yea!