Quote:
Originally Posted by Dadhawk
Interesting, although I knew what "no fault" was I have never lived in a state where that meant if you were found to be "the victim" you had to pay a deductible. Every place I've ever lived if the other party was at fault then there was no deductible for "collision" or "uninsured motorists" if your company paid the bill.
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NYC has a no-fault policy as well. I believe it was to help curb insurance fraud. People would buy two cars with catastrophic issues that are worth something if in perfect working order. They'd then target a victim and have one person box them in, then the other cut in front of them and slam the brakes. Since typically the person who rear-ended someone is at fault without contest, they would collect the value of a pristine vehicle against the victim's insurance.