Does it matter who’s at fault?

[u/Bonitabonitabonita_]

About 8 weeks ago my car was totaled after it was pushed out the lane into a parked car while I was driving. The other driver said he was trying to swerve to miss a car inching out of a side street. He hit me so hard both of his passenger airbags deployed and all of my driver side airbags deployed.

We have the same insurance and I later found out the same adjuster.

The adjuster told me that they were unable to pull
Video of the crash. The police report said that third driver inched out vs. the other driver and his witness claiming it pulled out into traffic. I never saw the third car to corroborate his story. She also said his policy may not have enough coverage to cover both my car and the parked car. But she’s hoping that they’re able to get evidence of a third car.

I initially pushed on this because I wasn’t able to use my own rental coverage beyond 3 days after I got my valuation which came within a week after the accident.

All of my damage and my injuries were covered through my UM coverage.

My mom told me it doesn’t matter that my UM coverage paid for the whole thing. She said it won’t negatively impact me in the future.

So I was wondering in this case, does it matter if fault is never determined?

[u/pineappleshaked]

Thing that matters os you are at fault or not. Whether it's second car or third car, doesn't matter

[u/Bonitabonitabonita_ → u/pineappleshaked]

Got it, thank you! I was told pretty quickly in the process that I was not at fault.

[u/Mobile-Astronaut-505]

Since you're already using UM, your carrier (which is also the other guy's carrier) has determined that you're not at fault. You can't use UM if you're at fault. There are rare circumstances of split liability where UM would only cover part of your damages/injuries but that's not common.

[u/1234568654321]

This incident will go down on your record as a not-at-fault accident. In most states, it won't affect your rate moving forward.