All this drama and nonsense is the reason some states have gone to a no fault insurance system. Here in Michigan, your carrier makes you whole, the other guy's carrier takes care of him. No arguments about who is at fault, no costly and time consuming attorneys, no bickering between competing insurers trying to offload the costs on each other. Fault can come into play regarding whose rates may get raised in the aftermath of a crash, but that's it. Oh, if the other guy is at fault, his carrier pays your deductible, but that's the extent. It's much more straightforward.
