There are some uptight actuaries that say there is no driver that has absolute zero fault in any accident. For example had you chosen not to be on the road that day, taken a different path, etc. the accident couldnt have happened. So therefore you must claim at least SOME fault. Even if the fault ratio is 95%/5%, you still bear some fault in the accident.
Stupid I know.
Yeah I guess **** me for not owning a teleporter to get to work lol
I think they must have gone after the other driver personally in court because he didn't have insurance either. I got a refund on my deductible about the same time as they changed it.