j********d
发帖数: 157 | 1 Here is a special case due to traveling. My question is if the claim shall
follow Michigan or Maine's rule?
I 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? And I am in PA.
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)."
... | A*****a
发帖数: 52743 | 2 这个跟Maine没关系，倒是会跟PA有关系
shall
2
I
damage
from
serious
【在 j********d 的大作中提到】
: Here is a special case due to traveling. My question is if the claim shall
: follow Michigan or Maine's rule?
: I 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
| j********d
发帖数: 157 | 3 PA is also one of the 12 states use "No fault auto insurance" although it
allows limited amount of medical claim (which is not relevent in this case).
【在 A*****a 的大作中提到】
: 这个跟Maine没关系，倒是会跟PA有关系
:
: shall
: 2
: I
: damage
: from
: serious
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