I think it boils down to the actual accident. say someone did run a red light, but no contact was made, but if one car hits the curb, I don't think the person that ran the light will be liable to pay for the car to be fixed. it's a grey area of the law i'm sure. but I was told as long as the person didn't hit me, I can't sue them, the cops can't site them for the accident. it was all my fault for losing control of my vehicle. they said you are responsible for your car and what happens to it.