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My brother was involved in a head on collision that was not his fault. He was driving a car that was bought for him by our mother's boyfriend. The car title and insurance was in her boyfriend's name. My brother was off work for a week and his eyeglasses were shattered in the accident. Will he get reimbursed even though the insurance and car wasn't in his name? Our mother said that the insurance company would only replace her boyfriends car.

You do not mention what state this accident occurred in. Some states have 'no-fault' laws. The no-fault system is intended to lower the cost of auto insurance by taking small claims out of the courts. Each insurance company compensates its own policyholders for the cost of minor injuries regardless of who was at fault in the accident. These 'first-party' benefits, which are a mandatory coverage, vary by state with no-fault systems. In states with the most comprehensive benefits, a policyholder receives compensation for medical fees, lost wages, funeral costs and other out-of-pocket expenses. The term 'no-fault' can be confusing because it is often used to denote any auto insurance system in which each driver’s own insurance company pays for certain losses, regardless of fault. In its strict form, the term no-fault applies only to states where insurance companies pay 'first-party' benefits and where there are restrictions on the right to sue.

Drivers in no-fault states may sue for severe injuries if the case meets certain conditions. These conditions are known as the tort liability threshold, and may be expressed in verbal terms such as death or significant disfigurement (verbal threshold) or in dollar amounts of medical bills (monetary threshold).

You should contact your claims adjuster to determine if you live in a 'no-fault' state and if so, if he is entitled to any benefits under the car insurance policy.

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This car insurance answer was last updated 9:22 AM May-24.
This claims question was asked 3:44 PM Jun-07-2005.
Pugnel requested this car insurance help from CarInsurance.com experts.
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