Quote:
Originally Posted by TheMidnightNarwhal
The guy behind you is going to be at fault if he crashes onto you.
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Well, I live in a state with no fault insurance, whether he's at fault or not really doesn't help me at all. What it does do, again whether he's at fault or not, is cause me to go through a significant PITA to get my car fixed, be without it, etc.
The key to no fault in this case, is it doesn't matter if the other guy is at fault, your insurance is still probably going to go up. It will go up more for him if the police give him a ticket (involving points on his driving record) as that will cause his insurance to rise as well. Ultimately each drivers insurance (basically) handles the costs for their insured driver, rather than possibly handling both costs, if one drive is significantly at fault.
The serious downside is that Michigan has one of (possibly the highest) insurance rates in the US. According to a quick Google average rates in the US are $1200-$1300 USD while Michigan is $2200.