Talk:No-fault insurance

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[edit] Incorrect material

Several sections of this article seem to be incorrect or uncited. Specifically, there are several websites listsing currently twelve states with some form of no-fault insurance, while the article lists only eight. This should probably be cross-referenced with other sources, and cited to determine factual accuracy. - (Malykyn, posted in public location) 207.63.238.4 14:56, 22 November 2006 (UTC)

"There is no need for them to prove that they were not at fault in the accident, or to prove another party was at fault in the accident." - I think this is outright incorrect, at least how no-fault insurance works in Ontario. Your insurance will still go up if you are legally found to be at fault so there is a vested interest in being legally found to be not at fault. See this article for a better explanation: http://www.kanetix.ca/what-is-no-fault-auto-insurance Esptoronto 17:36, 26 December 2006 (UTC)

-- The article is correct - while you still may have a vested interest in being found "not at fault," your at-fault status does not affect whether or not you will be compensated for your losses in the accident. There is no need to prove the other party is at fault in order to COLLECT your insurance payment from your insurer. This is in contrast to traditional tort liability systems where your insurer pays other parties for damage you are legally liable for.

Law.com lists 19 states as having No Fault No Fault States