[JZoback]

No fault Insurance allows everybody to buy as much or as little personal coverage as they desire and actually reduces claims.

How does no fault reduce claims? I would think no fault would increase claims since nobody is at fault

Inquiring minds want to know

No fault means insurance companies split the risk. No fault covers their butts, not the insurers.

[Libertarianize the GOP]

Three years ago there was a Canadian study published in the New England Journal of Medicine showing a reduction of claims for whiplash and pain and suffering for Canadian provinces with no-fault verses regular insurance. Also no-fault allows the purchase of cheaper insurance by using less expensive after market parts instead of factory parts to repair damage, an option that is not available when your insurance must pay for another persons car repair. Driving is the only activity where negligence is not the standard of proof before requiring the payment of damages.