It’s not going to be cheaper for you if someone else crashes into you, and then your two insurance companies raise both your rates!
My point was that running down a pedestrian could happen under precisely the same circumstances as crashing into another car.
It’s not really the same legal system though. Insurance companies very rarely “sue” each other, but use a third party arbitrator. Insurance arbitration is extremely efficient and avoids lawsuits altogether, and the decision rendered during arbitration is binding to all parties.
Not exactly. See above. Insurance companies use arbitration almost exclusively to determine the degree of fault parties involved in auto accidents are assigned.
No-fault is used for restitution. Fault is still assigned and evaluated by your insurance companies. Insurance companies in Michigan generally won’t raise your rates if you’re not at fault and not negligent, unless you have a history of infractions or a previous history of claims. I love my no-fault insurance, and the fact that I don’t have to worry about whether the other guy is insuring me.
Exactly. I was actually a driver in three accidents within a single decade in which my car was totaled. Each accident took place in a no-fault state. My insurance didn’t go up at all, as my insurance company determined that I wasn’t at fault for any accident. In fact, in the midst of these, my insurance went down when I regained a safe driver discount that I had lost due to a ticket.
You can be “at fault” in an accident without having committed a violation of the law.