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No fault works much the same way as shared fault though, each of you would be responsible for the repair of your vehicle there just wouldn't be any fault assigned. In a state with shared fault it would be the same way, you just each would have an at fault accident on your record.
i got the police report back and it didnt say who was at fault. but by the way it was worded it sounded like her fault. my insurance agent said something about shared fault yesterday. i didnt want to take this to court, but if there is the slightest blame on my part i will. ahh i hate this process...
If the police report is unclear my guess is her insurance isn't gonna pay. You'll have to have your insurance pay and they'll have to sue her and her carrier. Gonna be messy.
In all honesty though, that doesn't look 100% her fault to me though. When you're driving down a line of stopped cars like that with driveways on your side you need to be cautious expecting just that very thing to happen. I think you're SOL here.
Hate to tell you this but based on the age of the truck and the damage, its gonna be a total loss. Mine didn't look that bad and it was considered a total loss. I would have someone look at it who is the auto body field and decide whether or not it worth trying to fix. Looks like there is some frame damage from the frontal impact and maybe from the rear seats. Those seats shouldn't spread like that.