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Go Back   E46Fanatics > honray

Conversation Between honray and delmarco
Showing Visitor Messages 1 to 1 of 1
  1. delmarco
    06-06-2010 02:47 PM
    BTW...The first line you underlined is referring to the other party's collision insurance.

    My girl friend, who has an MBA in Taxation and specializes in Insurance, just confirmed that this screen cap may sound complicated and rightly so to scare you into buying collision insurance.

    But it simply means the other party's COLLISION INSURANCE will NOT take the place of you not having COLLISION INSURANCE. ie. If you are at fault his collision insurance will NOT cover repairs to your car.

    Collision Insurance ONLY becomes relevant to YOU and YOUR CAR when there is either no party at fault (like a hit&run where your car is damaged on the side of the road whiles parked and you don't know who did it) or you are at fault (like if you hit another car and caused the accident).

    But this is a clear case that this guy is at fault. Your statement will confer that and his statement will concur to that as being a FACT!

    Here is the logic of your accident simplified:

    Car A was stopped at light, Car B drives up from behind and hits Car A. Car A is damaged. Car B is a fault. Car B's no-fault insurance will pay to fix Car A. Car B's collision insurance will pay to fix Car B.

    That is a FEDERAL INSURANCE LAW that cannot be modified, manipulated or changed by a local goverenment, private insurance companies, State government, etc...


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