My estimate is the average driver will save a maximum of $45 dollars a year by the elimination of No Fault, if we can trust the Insurance industry to pass along the savings to policyholders. However, if you have an accident, be prepared to spend thousands on attorney fees and file lawsuits against other drivers and other insurance companies to get your medical bills paid.

I’d much prefer to pay an additional $45 a year in premiums to continue No Fault, so I don’t have to worry about getting my hospital bills and medical bills paid if I am in a minor accident. I am old enough to remember the anguish that drivers faced trying to collect in the tort / court system before No Fault was the law of our state.

I do not believe that the insurance companies will lower premiums as promised. The lawyers and insurance companies are the only ones who will benefit when No Fault Auto insurance expires in October. Oh I forgot - the insurance companies believe that everyone who drives has medical insurance through their employer or Medicare.

While believe that the no fault systems sucks, the tort system is worse.  If you are awarded a judgement against someone who can’t or won’t pay then its not worth the paper its printed on.

While I’m sure it would be expensive I think the state should require reasonable amounts of liabilty insurance to pay for injuries and property damage that you may cause.  Once the investigatioon shows who is at fault then that insurance company pays.

While there are no easy answers the whole insurance thing boils down to a simple problem: Lack of personal responsibilty for ones actions.  99% of car wrecks (notice I said wreck, not accident, an accident is not preventable, that is why it’s called an accident) are caused by some driving with their head up their ass.