Quote:
Originally Posted by firemachine69
I think you're confusing "no fault" with "not at fault". In a "no fault" insurance, everyone assumes their equal share of the accident, which is payable by your provider (regardless of who blew the red light, etc.) When you're "not at fault", it is the other party who pays for all costs, including the deductible.
Best not to spread false information to the un-wise around here. 
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Well to be completely precise, your statement isn't completely true either, no offense.
I can only speak for California, but if you get hit for example in a parking lot, you get there and find your car damaged by someone but cannot provide the other guy's info, then your premium will go up. Same thing if someone hits you and run, and you don't get their plate #, at least that's my understanding.