Fault and Non-Fault claims – what is the difference?

A fault claim is any claim resulting in your own insurer being liable (paying for the claim). e.g. – you are not to blame for a theft claim but your own insurer would be liable (paying the claim), as they have no other party to recover the costs from. If your insurer pays for your damages in a claim (e.g. – where a third party hit you) but then re-coups their costs via the third party's insurer, then this would be a Non-Fault claim as your insurer was not liable (recovered their costs for the claim).