NLIC.org

Priscilla Said:

Would "TORT Reform" be as successful as Michigan's "No-Fault" insurance law?

We Answered:

We have had 'Tort Reform' in California for more than 10 years. I had not impact on insurance prices, not health insurance, not automobile insurance, not malpractice insurance and not Workman's Comp insurance. As a matter of fact it made things miserable for people who are injured on the job. The workers comp insurance gets ordered by a judge to pay the benefits, then a few month later they thumb their nose at the judge and stop the benefits. Go do a search on Nataline Sarkisyan. The 17 year old girl killed by the cigna death panel that Sarah palin and max baukus think are so cool

Leona Said:

Car Accident and No Fault Insurance?

We Answered:

Just tell the hospital billing department you were a pedestrian, hit by a car, and have no insurance. Then ask if they would like the insurance number of the person that hit her.

Barry Said:

Is there a such thing as No Fault Insurance?

We Answered:

autoinsurance.maclenet.com - try this one. I have their car insurance and, as I know, they can provide such a service.

Curtis Said:

True of False: No fault insurance is also known as Personal injury protection?

We Answered:

You are likely going to get a ton of people telling you the answer is "false". They are wrong and just making un-informed assumptions.

The answer is TRUE.

People who are not in the claims business make this mistake every day.

No Fault or PIP refers to the fact that no matter who is at-fault, your own insurance company has to pay your medical bills, if any.

MI has a weird system that applied the same principle to car damages, but they are the ONLY state to do this.

Miriam Said:

no fault insurance is it a good thing?

We Answered:

To answer your initial question, I think NOT. The incident you describe is a good example of why I think not.

This scheme was supposed to make things easier for injured people, because they would get the money right away from their own insurance company, who could then fight it out with the other one, and the injured person would not have to wait around for lawsuits to be settled. In practice, it has made people's insurance premiums higher.

There is a good possibility that whoever owns the insurance policy that gets tapped here will see an increase in premiums, even though they were not involved in the accident in any way.