Talk:No-fault insurance

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Contents 1 Incorrect material 2 Major Changes 3 Auto bias 4 Pure no-fault in Manitoba

[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

[edit] Major Changes

I added some cites, changed the initial definition and just generally cleared up some of the ambiguous language. This article still has a long ways to go, particularly re: international perspectives, but it's a start. I'll try to work a little more on it in the future. CredoFromStart 19:33, 26 April 2007 (UTC)

[edit] Auto bias

No fault insurance has a larger basis - at least in Europe. Perhaps a page 'No-fault insurance' detailing the concept and then a specialist page for 'No-fault insurace: auto' - or 'No-fault insurance: auto-North America'. Or subsection... No-fault insurance in common in the European medical sector, I was hoping to link some comments from a medical article but this page is not really appropriate. I see CredoFromStart has noted a need for international perspectives: I would be grateful if consideration was also given for a broader handling of the topic. Revatim 12:16, 22 October 2007 (UTC)

Good idea. I think everyone would welcome such expansion, we just need people with knowledge of the subject to come along. If you are able to add any specifics re Europe that would be great. — ¾-10 01:30, 23 October 2007 (UTC)

[edit] Pure no-fault in Manitoba

I have moved Manitoba to the "pure no-fault" category as per [1] Canjth (talk) 01:44, 1 June 2008 (UTC)