No fault insurance is truly cancer and is genuinely one of the shittiest policies out there. I live in a no fault province myself, and thanks to that, I got conned out of a lot of money.
So I was on my way to school at like 8 AM when I accidentally bumped into a car in front of me in the traffic pileup—I barely nudged the damn thing. Like sure, that was my mistake, but yeah. The car stops and does nothing for a full goddamn minute, but suddenly this middle aged woman gets out of the car and starts howling like she's having an episode of PTSD. I don't know what the fuck is going on at this point, so I get out and try to help. The red flags started coming once she called 911 and demanded the police to come too—doing that kind of sealed my fate. The next little bit was the police, ambulance, fire department, the whole bit, coming here and shaking their heads at what was probably not the first time they've been called out for stupid bullshit like this. She tried identifying a very slight bump on the back of her car; which could have come from anywhere, really, and I would have been perfectly willing to settle/pay for it without getting the fucking police involved for the tiniest of dents regardless.
I met her in a restaurant a couple of weeks later and she was bullshitting about how her physiotherapy sessions were going, perhaps one of the biggest loads of bullshit I have ever heard in my entire life given how lightly I bumped against her. When I left the restaurant, I came back to finding a happy face drawn in the frost on my windshield.
So yeah, thanks to no fault, that old witch got a bunch of free money and I lost my driver's ed insurance deductible, and I had no power to do anything about it. I really hope this works out for you ghost, it fucking sucks to live in a state like that. Get some good-ass legal advice. I dunno if you remember me at all, but I've always liked you a lot and had fun playing with you. Good luck man, hope your sister has a speedy recovery.