Quote:
Originally Posted by Z K
But when I made the insurance claim to fix my car (the person crushed my hood, windshield and part of my roof), it was an accident and I was at fault. Apparently because the at fault party is not another vehicle, the insurance can not claim it from the other person's insurance. In any accident involving a person and your car, no matter what the police report says, they will put it as you at fault in your claim.
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That sucks.
The point of assigning fault or not in the system is to evaluate your risk as the insured. It's not to indicate if they were able to recover costs. But they use it for the latter.
Never trust insurance companies' commercials when they use terms like "we protect you and your family".
BS. They only protect their own interest.