Yes, if you were at fault then the property damage (PD) liability portion of your auto insurance policy should accept a claim for the damages you caused the other person's vehicle in the accident.

Your PD liability coverages cover other's property that you damaged if you are at fault in an accident. If your own vehicle was also damaged then you would need physical damage coverages, in this case collision coverage, to cover the cost of the repairs to your own vehicle.

No fault does not mean that fault is not assigned in an accident or that you cannot be found at fault and that your insurer would not pay out claims. No fault instead refers to personal injury protection (PIP) insurance which is mandatory in Minnesota.

PIP provides medical and wage loss benefits for you and your family if you are injured in a car accident. Fault does not matter for this portion of your policy so that is why this type of car insurance is termed to be "no-fault." If you or the other party was injured in the accident then even though you would be responsible for the property damages to the other party's car each of your injuries would normally be covered by your own PIP policies.

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