NY is also a No-Fault state. The No Fault refers only to the medical
insurance. Regardless of fault, your insurance pays the direct medical
bills for you and your passengers. Property damage and liability are not
part of this.

Dennis

-----Original Message-----
From: Vanagon Mailing List [mailto:vanagon@gerry.vanagon.com] On Behalf
Of David Brodbeck
Sent: Saturday, March 20, 2004 8:42 PM
To: vanagon@GERRY.VANAGON.COM
Subject: Re: auto accidents in europe? fish

On Sat, 20 Mar 2004, Jonathan Farrugia wrote:

> i will contrast this with what is the general flow of things in my
> location (michigan) in the united states.

> the insurance companies then use
> this official police report to work out the details of who or who's
> insurance company pays what to cover the costs of the accident and
> subsequent auto repairs.

Not entirely true, I don't think...Michigan is a no-fault state, so I
think your insurance always pays to fix your car, regardless of who the
police say is at fault.

David Brodbeck, N8SRE
'82 Volkswagen Diesel Westfalia
'86 Volvo 240DL wagon