# Who Is Responsible For The Damage To This Woman's Car?

**URL:** <https://boards.straightdope.com/t/who-is-responsible-for-the-damage-to-this-womans-car/778939>\
**Category:** Factual Questions\
**Created:** [February 3, 2017, 10:54pm UTC](https://boards.straightdope.com/t/who-is-responsible-for-the-damage-to-this-womans-car/778939 "2017-02-03T22:54:08Z")\
**Posts on this page:** 3\
**Page:** 2

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**Author:** ![Muffin](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/muffin/32/4341_2.png) [@Muffin](https://boards.straightdope.com/u/Muffin)\
**Post date:** [February 4, 2017, 6:25pm UTC](https://boards.straightdope.com/t/who-is-responsible-for-the-damage-to-this-womans-car/778939/21 "2017-02-04T18:25:26Z")

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> [@RivkahChaya](#):
>
> I’m sure there’s some reason Target won’t pay, like if it pays, it admits the balls are a hazard, and it will have to remove or anchor all or them at every Target in the country at a cost of several million. I’m sure telling the woman “No” didn’t happen on a whim-- someone consulted with lawyers, maybe at a pretty high level.

Sometimes defendants deny obviously winnable claims because they count on the cost of litigation being a ligation chill, hoping that they will save some money when a few potentially successful claimants walk away rather than put in the time, effort and money to fight the matter forward.

Giant red bowling balls woefully insufficiently secured in a budget store parking lot? I’m surprised that a bubba-ball-bounce game didn’t break out between the pickup trucks.

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**Author:** ![drewc](https://avatars.discourse-cdn.com/v4/letter/d/edb3f5/32.png) [@drewc](https://boards.straightdope.com/u/drewc)\
**Post date:** [February 4, 2017, 7:52pm UTC](https://boards.straightdope.com/t/who-is-responsible-for-the-damage-to-this-womans-car/778939/22 "2017-02-04T19:52:24Z")

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> [@jz78817](#):
>
> New Jersey is a “no fault” state and she should be filing a claim with her own insurer.
> 
> [Background on: No-fault auto insurance | III](http://www.iii.org/issue-update/no-fault-auto-insurance)

Auto claims examiner with 10+ years experience.

This is universally misunderstood in nearly all “no-fault” jurisdictions. No-fault applies to personal injury only - if you are personally injured in an auto accident, regardless of fault you are required to claim under your own no-fault coverage (PIP coverage) on your auto policy. There is NO “no-fault” provision for property damage.

Except in a limited fashion for Michigan, and some Canadian provinces, all no-fault jurisdictions operate nearly the same in this regard.

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**Author:** ![jz78817](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/jz78817/32/1028_2.png) [@jz78817](https://boards.straightdope.com/u/jz78817)\
**Post date:** [February 4, 2017, 9:03pm UTC](https://boards.straightdope.com/t/who-is-responsible-for-the-damage-to-this-womans-car/778939/23 "2017-02-04T21:03:35Z")

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> [@drewc](#):
>
> Auto claims examiner with 10+ years experience.
> 
> This is universally misunderstood in nearly all “no-fault” jurisdictions. No-fault applies to personal injury only - if you are personally injured in an auto accident, regardless of fault you are required to claim under your own no-fault coverage (PIP coverage) on your auto policy. There is NO “no-fault” provision for property damage.
> 
> Except in a limited fashion for Michigan, and some Canadian provinces, all no-fault jurisdictions operate nearly the same in this regard.

I’m gonna call you “bus driver” 'cos I think you just took me to school.

(RIP Stuart Scott)

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