Quote Originally Posted by petrified.rabbit View Post
no fault usually pins it all on the furthest back driver OR percentages it out amongst all the cars..
(like back drive pays 100% for fist car he hit, and 50% of the car he pushed you into.)
typically though if your own insurance fixes it, they will "sue" his insurance and get the money back, but whether your insurance goes up or not is all local laws and policy allowances (just the fact you reported the accident to them could allow them to raise your rates in some places)..
Glad your ok, thats all that is important.
If I'm not mistaken I also believe that theres a certain amount of monetary damages before it affects your policy, like $2500 and below before rates are raised? Dont quote me on this. I'm guesstimating based on something I heard once. The bottom line is that the car is replaceable and you and your boyfriend are not. Glad youre all ok!