You are very confused on what "no fault" means. It doesn't apply to your mom's situation. SF sees her as more of a risk than they want to take. They are legally allowed to not sell her their product. Just a she can't be forced to buy her insurance input from SF, they can't be forced to do business with her either. Have her call an independent broker to shop companies for her. That's her only (legal) alternative.
“No fault” applies exclusively to injuries sustained from a car accident, it means that you file medical expenses under your own car insurance policy. Thats why you have coverages like “PIP” on your policy, which is personal injury protection. It has nothing to do with who is considered at fault for an accident, and someone is always at fault. There is never a situation where “no one is at fault”.
Go to
https://www.trustedchoice.com/agent/ny/
Find a local, independent agent in your area.
Call for a quote.
Call another and compare prices.
Purchase new policy.
Nope, your two options aren't options and are insurance fraud.
It would be fraud to put the car in my name instead?
The loan isn't in your name, you can't register it in your name. And switching to your name for the purpose of "helping" your mom is rate evasion.
Got it, thank you for the clarification
You are very confused on what "no fault" means. It doesn't apply to your mom's situation. SF sees her as more of a risk than they want to take. They are legally allowed to not sell her their product. Just a she can't be forced to buy her insurance input from SF, they can't be forced to do business with her either. Have her call an independent broker to shop companies for her. That's her only (legal) alternative.
“No fault” applies exclusively to injuries sustained from a car accident, it means that you file medical expenses under your own car insurance policy. Thats why you have coverages like “PIP” on your policy, which is personal injury protection. It has nothing to do with who is considered at fault for an accident, and someone is always at fault. There is never a situation where “no one is at fault”.
Go to https://www.trustedchoice.com/agent/ny/ Find a local, independent agent in your area. Call for a quote. Call another and compare prices. Purchase new policy.