In any state, the police officer has no right to determine who is at fault for an accident. The police officer can issue a ticket for traffic violation, but not for accident faulty. I cannot believe that the police determined that no body was at fault for the accident.
Further, many states have laws that do not allow the possibility of no-fault accident. Either one party is at fault or both parties have fault. If this state indeed allows no-fault, please share with us which state this is.
For first question, in general, police accident reports are not open to insurance companies. Traffic violation records are generally open to insurance companies.
For second question, insurance companies increase premium based upon traffic violation, claim payment AMOUNT, and market.
For third question, insurance companies share info about claims and payments that would cause premium increase.
If the damage is small, you may not get any payment after deductible.
Further, many states have laws that do not allow the possibility of no-fault accident. Either one party is at fault or both parties have fault. If this state indeed allows no-fault, please share with us which state this is.
For first question, in general, police accident reports are not open to insurance companies. Traffic violation records are generally open to insurance companies.
For second question, insurance companies increase premium based upon traffic violation, claim payment AMOUNT, and market.
For third question, insurance companies share info about claims and payments that would cause premium increase.
If the damage is small, you may not get any payment after deductible.
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