WV is a No Fault state, and the PI lawyers are out of control. My husband and I can watch a 30 min. show, and there will be 6 commercials for PI lawyers. It's ridiculous. One lawyer stands on the top of an 18-wheeler, and pleads with the viewers to call him if they're in an accident with an 18-wheeler. My insurance rate went up 68 per month, simply for moving to WV from an At Fault state. My agent said the high premiums in WV are due to fewer insurance carriers waiting policies, which stems from lawsuits, the amount of uninsured drivers, which goes back to the huge premiums. I personally think the Insurance Commissioner being appointed in WV plays a factor. In other states the commish is elected, and must work for the constituents.

Hi! Thanks for your videos. Very informative.
I have a question please.
If you live in a not at fault state and you get rammed by someone that obviously is at fault. Can you recover your deductible through his/her insurance? Or do I have still to pay the deductible even when it is not my fault?
Thanks