[jlex]

Don't know how it is in other states, but here in PA, no fault insurance is relevant in personal injury issues only. Your own carrier pays for your own medical claims regardless of fault. No fault laws were designed to implement medical coverage immediately without having to prove it was the other guy's fault. When it comes to property damage or pain and suffering associated with the personal injury (special damages), the issue of proving negligence on the part of the other driver to obtain a damages decision is still the plaintiff's burden of proof.