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On 22 Jul 2004 at 10:39, K O'Connor wrote: > I am of the understanding that it goes on your record, that it is used to > determine your future rate, even if it isn't your fault. It's bound to vary by state, but if it really wasn't your fault, then the I hope you reported the accident to the police and filed a police report at the scene of the accident. Their report, stating that the other car was at fault is your best defense. If you didn't do this, then you're in limbo. In the past, when this has happened to me, I've found my own insurer to be very good to me when it was provably the other guy's fault, but they become very defensive as soon as it's their money. If it's the other guy's fault then they get the other insurance company to pay. I don't know how no-fault affects this, but I can't imagine that they would raise your rates even if the police report stated that it was not your fault. Even if the insurance company declares your car totaled, you can usually bargain with them to keep it and repair it. It may cost you a bit, but they would rather have a few bucks than your car. Keep in mind that it is YOUR car; they can't take possession of it without your permission. I know someone who's car was declared totaled 3 times, and he took their money, kept the car, and repaired it each time. -- ******************************* Jim Adney, jadney@vwtype3.org Madison, Wisconsin, USA ******************************* ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ List info at http://www.vwtype3.org/list | mailto:gregm@vwtype3.org ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ ~ Shameless link for search engines: http://listarchive.type3.org ~ ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~