y****g
发帖数: 1320 | 1 这里是州政府对 no fault 的具体解释：
http://www.michigan.gov/documents/cis_ofis_ip202_25083_7.pdf
Page 1
Department of Insurance and Financial Services PO Box 30220 Lansing, MI
48909-7720
(517)373-0220 Toll Free (877)999-6442
[FIS-PUB 0202] [04/13]
Insurance Consumer Information Sheet
Brief Explanation of Michigan No-Fault Insurance
NO-FAULT INSURANCE is required by law in Michigan. Every owner of a car must
buy certain basic coverages in order to get license plates. It is against
the law to drive or let you... 阅读全帖 |
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h***i
发帖数: 752 | 2 看到那个没有买bodily injury liability的事情，联想到自己去年出的一起车祸，期
间对于no fault state的保险形式做了一些研究，这里简单聊聊。以下主要根据PA的事
故处理经验，不同的no fault state会有略有不同，请查看本州具体的法律条款。
根据wiki，http://en.wikipedia.org/wiki/No-fault_insurance，美国有12个州使用no fault的保险。制定这一法律的初衷是避免事故后双方因为责任扯皮的时间，减少法庭对此类案件的审理，加快保险公司的赔付速度。
在no fault州发生的交通事故，对于property的赔偿，是要确定责任的，由at fault的
一方的保险负责的。而对于人身伤害的赔偿方面，是不需要确定是谁的责任的。也就是
说，双方的医疗账单都由自己保险的PIP支付，不可以at fault的一方要求额外的赔偿
。除非at fault的一方酒后驾驶；或者在一些州（Quantitative threshold），超过一
定的赔偿数额就可以要求对方赔偿（参考前面的wiki页面）；在另外一些州（
Quali... 阅读全帖 |
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C******m
发帖数: 327 | 3 目前美国的50州的法律在处理人身伤害保险这个问题上有三种方式：
1.区别事故过错方来确定赔偿方案，这种方式从法律称为Tort；
2.不区别事故过错方来确定赔偿方案，这种称为No-fault；
3.司机选择是买Tort类或者No-fault类保险。
举例来说，如果是在Virginia发生的车祸，有人受伤了，那受伤的赔偿首先由过错方的
保险公司承担，直到超出保险赔偿的额度；如果是在New York发生的车祸，有人受伤了
，那受伤的赔偿可以首先由过错方的保险公司承担，也可以首先由受伤方的保险公司承
担，直到超出保险赔偿的额度。
超出保险的额度之后由谁赔付，将看具体情况而定，这里不多谈了。
为什么会有奇怪的No Fault规定：似乎这与保险的一般用途，激励大家好好开车减少损
失，不符合。这是因为汽车保险不仅要公平，还要符合经济学原则：省钱。研究表明，
No Fault法规在很多地方减少了扯皮诉讼，也加快了对于受伤的人的医护，保护了司机
，普遍节约汽车保险的花费。
附录：
美国的No-Fault州名单：
Delaware, Florida, Hawaii, Kansas, Kentucky, M... 阅读全帖 |
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y****g
发帖数: 1320 | 4 又跳出来一个乱喷的, 真是无知者无畏 自己去看州政府定义的 no fault：
当你卷入任何车祸的时候,
你的基本的no fault 保险 将支付: your medical expenses, wage loss benefits
, replacement services, and the damage you do to other people’s property.
你的基本的no fault 保险 将 不支付： any repairs to your own car.
什么叫半保， 这就叫半保 ， 呵呵
http://www.michigan.gov/documents/cis_ofis_ip202_25083_7.pdf
NO-FAULT INSURANCE is required by law in Michigan. Every owner of a car must
buy certain basic coverages in order to get license plates. It is against
the law to drive or ... 阅读全帖 |
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d*******3
发帖数: 6550 | 5 no fault insurance只适用bodily injury, 就是车祸了不管谁的责任，你保险公司先
付你的医疗账单，之后可以再找责任方要钱。至于property damage没有什么no fault
这一说，不懂的不要瞎说
What Does No-Fault Insurance Not Cover? The term "no-fault" usually pertains
only to coverage relating to personal injury, and does not include coverage
for property damage. In states that require consumers to have a no-fault
car insurance policy, as in states without no-fault insurance, the liability
coverage in your auto insurance policy covers you for damages to another
person'... 阅读全帖 |
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j********d
发帖数: 157 | 6 Here is a special case due to traveling. My question is if the claim shall
follow Michigan or Maine's rule?
I went to Maine recently and backed up onto another car (with a Michigan
plate) in a parking lot. The front bumper of the other car was damaged (a 2
-inch long crack). No one was in the other car, so I left a note of my
phone # on the other car and continued on my trip. A few hour later, I
received a phone call from the Michigan car owner. My cell phone had poor
reception, so we talke... 阅读全帖 |
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j********d
发帖数: 157 | 7 Here is a special case of auto insurance claim due to traveling. My
question is if the claim shall follow Michigan or Maine's rule? And I would
appreciate interpretation of insurance rules from Michigan residents.
I came from PA, went to Maine recently and backed up onto another car (with
a Michigan plate) in a parking lot. The front bumper of the other car was
damaged (a 2-inch long crack). No one was in the other car, so I left a
note of my phone # on the other car and continued on my trip.... 阅读全帖 |
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j*r
发帖数: 299 | 8 The owner of the other vehicle should make a auto damage claim to his
Michigan insurer. His MI No-Fault insurance will apply and his own insurer
should cover the auto damage to his vehicle. He will, however, be eligible
to make a at faut tort claim against your insurance, in order to recover the
deductible amount he will have to pay to his own insurer. This is usually
around $500, but it can vary. You should provide him with your insurance
company name, phone number, and the claim number you... 阅读全帖 |
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发帖数: 1 | 9 Fault Zone主要怕氡气。地震时能量顺着fault可以传递很远。垂直于fault衰减很快。
不是你的fault中奖影响不大。
液化区会放大地震时的损坏。只要是有感地震都跑不了。跨fault。
房屋最理想的基址是岩层。地震时岩石变形微小并能复原。液化区会呈现出水波一样的
起伏震后并不会复原。想象一下你的房子地基会受到怎样的损害。
湾区很多亿万富豪家就跨在圣安德鲁斯断层上。但人家是修在岩石上。不怕。 |
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z*******i
发帖数: 2904 | 10 既然大家说道了no fault 和at fault 我就想问问 自己的保险在no fault的州 比如fl
但是在at fault的州开车 出了问题 是按自己保险所在州的规定来走 还是事故州 |
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C******m
发帖数: 327 | 11 一个州是不是No Fault，并不是一成不变的。刚开始的时候，都是Tort。后来才引入No
Fault系统。有的州引入以后又回归Tort了。各个州情况不完全一样。具体的你可以看
看自己的州目前的规定。
一般而言，如果你的州汽车保险有PIP这项，就是No Fault州。如果没有，那就是Tort
州了。
如果你在No fault州被人撞伤，自己的保险公司负责了以后，是可以涨你的汽车保险的
，这个看起来不公平，但是是没有办法的妥协。 |
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k**s
发帖数: 341 | 12 sorry I cannot input chinese. But I need help on this car accident.
As attached, I was driving as a blue line and one lady was drivng as a
yellow line. No traffic light, but she had a stop sign.
Her car was pulled ahead onto WHITE SAND to make left turn. I didn't see her
and scratched her car front. It was dark.I suspect she didn't have light on
since I could see car right after her, but not her car.
Was it my fault or her fault? Should her yield to me? Did she block my way
to turn left? Or it w... 阅读全帖 |
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c*********r
发帖数: 1312 | 13 周五在停车场估计是被旁边的车门狠撞了一下，车后部有一个不大但伤到漆的痕迹（见
图）。
在No-Fault州，Progressive的保险，有Comprehensive，deductible 1000刀。现在考
虑要不要走保险。网上做功课查到：If you are carrying no-fault insurance in a
no-fault state, your insurance will pick up the bill for a door ding. If you
have full coverage, your comprehensive insurance will cover the door ding
for you; just remember door dings and dents are covered one-by-one with your
comprehensive insurance.
There is no increase in your rates for a no-fault door ding.
现在有几个个问题想请教版上有经验的各位：
... 阅读全帖 |
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i*******y
发帖数: 194 | 14 在KY，车险是no fault law
考过不少古还是有几个问题请教
1.no fault law 是只适用于人身伤害，不是适用于修车费用。是么？ （geico的人说
是，我同事说不是）
2.如果第一个问题的答案是“不是“，（no fault law适用于人身和修车费用），那为
什么还要买liability啊？
3.如果no fault law适用于人身和修车费用，那是不是就一定要买全保了?
非常感谢 |
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b****n
发帖数: 2780 | 15 具体的各州不一样，ky看起来不错，可以自己选，你选的是什么
http://en.wikipedia.org/wiki/No-fault_insurance
In three U.S. states – Kentucky, New Jersey, and Pennsylvania –
policyholders are permitted to choose between traditional tort and no-fault
recovery regimes. Under such systems, known as “choice” or “optional” no
-fault, policyholders must select between “full tort” and “limited tort”
(no-fault) options at the time the policy is written or renewed; once the
policy terms are set forth an insured may not change his/her m... 阅读全帖 |
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L**P
发帖数: 3792 | 16 【 以下文字转载自 LosAngeles 讨论区 】
发信人: LDEP (LDEP), 信区: LosAngeles
标 题: walnut在earthquake fault zone上的房子有啥意见?
发信站: BBS 未名空间站 (Mon Oct 8 14:49:05 2012, 美东)
山上的一个房子
拿到两个disclousre
一个是州mandatory,在seismic harzard zone,没显示在fault zone
另一个是supplmentary (感觉是似乎是local的),不但显示在seismic harzard,也显示
在fault zone
哪位有经验?
我个人感觉seismic harzard应该是普遍现象,根据地图和加州情况
至于在faultzone我就不太清楚了,这个房子在州的mandatory没显示在fault,但在要求
更高的supplentary显示在 |
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w***a
发帖数: 534 | 19 【 以下文字转载自 Living 讨论区 】
发信人: wbzha (cougar), 信区: Living
标 题: fault line/walk away?
发信站: BBS 未名空间站 (Fri May 31 08:44:05 2013, 美东)
房子就快CLOSE了发现房子离FAULT LINE 很近。 房子２１年了， 就一任房主，
INSPECTION没有发现地基问题，墙上也没有裂纹。 我有必要WALK AWAY吗？
如果我现在WALK AWAY的话是不是就亏掉EARNEST MONEY 就行了？ 还会有其他法律上的
后果吗？ 因为已经过了所有的CONTINGENCY， 卖家不会有啥说法吧？
这个FAULT LINE 开发商不承认，所以附近有几家正在告开发商。 房子在HOUSTON 附近
，似乎HOUSTON 有很多FAULT LINE。 |
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c*m
发帖数: 836 | 20 这都什么年代了，还page fault，现在用JAVA的有几个人还考虑这种问题。怎么班上老
有这种似是而非的topic。你倒是不如具体说说你怎么遇到page fault了，为什么不能
解决？你为什么用C++就没有page fault， 有什么大项目是用C++能做而不能用JAVA做
的因为page fault?
还有，谁说JAVA不能做real time了？RTS完全可以做real time, depending on
requirements。你知道啥是real time吗？
C/ |
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c*********r
发帖数: 1312 | 21 周五在停车场估计是被旁边的车门狠撞了一下，车后部有一个不大但伤到漆的痕迹（见
图）。
在No-Fault州，Progressive的保险，有Comprehensive，deductible 1000刀。现在考
虑要不要走保险。网上做功课查到：If you are carrying no-fault insurance in a
no-fault state, your insurance will pick up the bill for a door ding. If you
have full coverage, your comprehensive insurance will cover the door ding
for you; just remember door dings and dents are covered one-by-one with your
comprehensive insurance.
There is no increase in your rates for a no-fault door ding.
现在有几个个问题想请教版上有经验的各位：
... 阅读全帖 |
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s****r
发帖数: 31686 | 22 【 以下文字转载自 Computation 讨论区 】
发信人: halfy (蜕), 信区: Computation
标 题: C++，一个函数完成后出segmentaion fault
发信站: BBS 未名空间站 (Wed Nov 5 20:45:09 2008), 站内
发信人: halfy (蜕), 信区: Programming
标 题: C++，一个函数完成后出segmentaion fault
发信站: BBS 未名空间站 (Wed Nov 5 20:44:45 2008), 转信
调用某函数A，其中用系统命令调用其它程序作了计算
A末尾的确认信息可以输出，没问题
但是调用A之后的语句没运行之前出现segmentation fault
我尝试过在函数A中不调用其它程序做计算，把计算结果先准备好，调用命令
虚设了一个列目录的命令
这时候调用A之后一切正常，开始读A的结果 ...
或者，在函数A中调用另外一个其他程序作计算，也没有这个问题
邪了门了 ... |
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y***e
发帖数: 676 | 23 Many were mystified yesterday by the earthquake that struck just below
Washington DC. Fortunately obama took a break from the golf course in
Martha's Vineyard to address the nation and explain to us mere mortals what
had happened.
His highness spoke only briefly:
"When an earthquake happens in California we all know it's the San Andreas
Fault. This one, near our nation's capital, was Bush's Fault."
Interestingly, after the earthquake, the stock market rallied and
the DOW soared up... 阅读全帖 |
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l****z
发帖数: 29846 | 24 by Peter Ferrara
Day 2 of the government shutdown, and look out the window. The sun is still
shining, and the sky is still blue. The birds are chirping.
The Great Government Shutdown is not that big a deal, even for the
government. The federal civilian workforce includes 2.9 million bureaucrats.
Out of that, only 800,000 are being furloughed, or just 27%. Even for these
workers, the shutdown just amounts to a paid vacation for a few days.
Just like the overballyhood sequester, average Americans ... 阅读全帖 |
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L*******r
发帖数: 5448 | 25 It is not necessarily true that in a no-fault state, an at fault party would
be responsible for paying for your
vehicle damage. Here in Michigan, your own insurance company might file a "
mini-tort" with the at fault
party's insurance company to recover your deductible, but that's where it
ends. Collision and comp coverage is
still paid through your own policy. |
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d***y
发帖数: 8107 | 27 周六下午7点半，突然间狂风大作、大雨瓢泼，开车去接ld，就在ld实验室楼后面的停
车场，T字路口，我直行，一车右转（他只能右转或左转），由于T字交叉口停着1辆7座
的ford车，挡住了我们的视线，我刚刚过T字交叉口，突然发现有车来右转，而且速度
还挺快，我本能的踩了一脚刹车，但是由于路滑而且速度快，对方没刹住，撞到了我的
左后门，撞进去一小块（可怜，我要是直接加速，应该就不会撞上，刹车纯属下意识反
应）。身处no fault的州，而且第一次出事故（北京市内开车5年，高速数万公里从未
出过任何小事故），有几个问题请教：
1、对方是1994年的dodge卡车，一点事没有，我的也就是后门一点划痕，以及后门靠左
后轮的地方撞进去一小块，我没给自己买collision险（geico的），而且我没打算找对
方给钱（虽然我觉得对方的全责，为什么后面说），这种情况，我claim了保险公司以
后，后续还有什么工作需要做？
2、发生事故的地方没有任何stop标志（任何方向都没有），地上也没有lane的标志，
通常情况可以两车并排驶过，但是有点挤。发生事故后，警察让我找刹车痕给他看，可
以明显看到对方的刹车... 阅读全帖 |
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v*****u
发帖数: 1796 | 28 Different states have different no-fault policies.
For example, in FL, on-fault only applies to the first $10k in medical
expense. Property damage is stall at-fault. The medical expense above $10k
is still the responsibility of liable part. |
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y*****c
发帖数: 1099 | 30 在完全no fault的州 你的保险公司保你的全部经济损失 包括医药费 修车费啥的 但是
你不能起诉另外的司机 不管是不是对方的过错 要求赔偿其他非经济损失 比如精神损
失啥啥的
在不完全no fault的州 如果你的非经济损失达到了一个阈值 比方你被装成了脑瘫 很
严重 你才可以起诉对方司机 这个严重程度由各个州自己规定
是这么理解吗
那是不是如果在no fault的州 如果买半保 要么就买最低保额的 要么就买最高保额的
因为反正出了事 不用赔对方 所以保额不用买很高 或者出了很大的事故 要用很高的保
额来cover
说的有点乱 不知道这么理解对不对 |
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R*******0
发帖数: 1866 | 31 在no-fault州，A的车被B轻微撞了，是B的过错，A发现修车费用小于500，自己的全保
的deductible是500，这样A向A的保险公司claim是不理智的，A难道不可以向B的保险公
司claim property damage？
有人说在no-fault州，这样就只能认倒霉，但是A理解的no-fault应该只适用于medical
bills之类的，而不适用于car的damage之类的。这样A应该还是能向B的保险公司claim
的。不知道以上理解对不对?如果不对，那A只能自认倒霉了？
请牛人解答~ |
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w***a
发帖数: 534 | 32 房子就快CLOSE了发现房子离FAULT LINE 很近。 房子２１年了， 就一任房主，
INSPECTION没有发现地基问题，墙上也没有裂纹。 我有必要WALK AWAY吗？
如果我现在WALK AWAY的话是不是就亏掉EARNEST MONEY 就行了？ 还会有其他法律上的
后果吗？ 因为已经过了所有的CONTINGENCY， 卖家不会有啥说法吧？
这个FAULT LINE 开发商不承认，所以附近有几家正在告开发商。 房子在HOUSTON 附近
，似乎HOUSTON 有很多FAULT LINE。 |
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L**P
发帖数: 3792 | 33 山上的一个房子
拿到两个disclousre
一个是州mandatory,在seismic harzard zone,没显示在fault zone
另一个是supplmentary (感觉是似乎是local的),不但显示在seismic harzard,也显示
在fault zone
哪位有经验?
我个人感觉seismic harzard应该是普遍现象,根据地图和加州情况
至于在faultzone我就不太清楚了,这个房子在州的mandatory没显示在fault,但在要求
更高的supplentary显示在 |
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z*******h
发帖数: 346 | 34 What is you said is total nonsense.
Usually people would think that the at-fault party's insurance company
should pay for the loss of the other not-at-fault party. This is how it
works in most states. And this is what we call 'fair'.
But the stupidity of the no-fault state legislature is beyond most people's
imagination. It is totally unfair for defensive drivers. Only careless
drivers driving old clunkers would cheer for such unfair rules. Most Chinese
drivers are NOT of this type.
When someth... 阅读全帖 |
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x***e
发帖数: 2449 | 35 agree, 3NT is not good.
But he is not that strong for 4NT either, I think.
I will choose 3S if it is me.
4NT is not good too.
he could bid 6D directly after your 4C, hehe
But I also think your fault is same as your PD.
Think you have at least 55 Ds, you should change to 5D after 4NT
then you probably have no fault. if you PD stoped, it is his fault. |
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z*********n
发帖数: 94654 | 36 貌似没办法
昨天在club遇到9.0 双打正在进行
我们club那队第一双打最后tie breaker惜败了，但我旁观的时候，对方那个男的所有
的发球都是foot fault
这个貌似也没办法，我还跟我们club那个人说了，他说也没办法，没有umpire
这样岂不是普通比赛没裁判的，想咋foot fault咋fault吗？ |
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d******n
发帖数: 12850 | 37 第一个在nadal break pt的时候double fault，第二个在nadal set pt的时候double
fault
相反的是，nadal的几个double fault都是不影响大局的，最后都拿下了相应的那个
game。 |
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g*******y
发帖数: 1930 | 38 linux下的SIGSEGV信号无法知道是读还是写操作引起的page fault，windows下貌似
access violation exception也无法区分(not sure about this)。难道就没有方法得知到底是引
起page fault的操作是读还是写吗？
求教版上高手！最近一个course project做distributed shared memory，所以需要这个信息，多
谢！ |
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d****p
发帖数: 685 | 39 if you can launch gdb, then you can find where the crash occurred and
disassemble the instruction to see whether it is a write or read.
for example, if the segmentation fault happens at 0x0000000000400538,
use disas 0x0000000000400538 to check the instruction.
Program received signal SIGSEGV, Segmentation fault.
0x0000000000400538 in main ()
(gdb) disas 0x0000000000400538
Dump of assembler code for function main:
0x0000000000400528 : push %rbp
0x0000000000400529 : mov |
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t****t
发帖数: 6806 | 40 对x86来说, 本来CPU的GP fault就没有这个信息.
Page-Fault有一定的信息, 但是通常OS不会pass给用户.
得知到底是引
这个信息，多 |
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g****t
发帖数: 39 | 41 Hi,
I am trying to track the memory usage, especially the page faults during
allocation. I found there is a getrusage() method, which tracks page faults
and page reclaims. My questions are as follows:
1. what does "page reclaims" mean? how to interpret it? Does that mean (a) if
a page Pi was used for Ni times without page faults, then ru_minflt = \sum {
Pi * Ni} ?
reference:
http://www.fifi.org/cgi-bin/man2html/usr/share/man/man2/getrusage.2.gz
struct rusage { ...
long ru_minfl |
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发帖数: 1 | 43 【 以下文字转载自 USANews 讨论区 】
发信人: YouHi (YouHi), 信区: USANews
标 题: Scarborough Blames Trump: It’s All His Fault
发信站: BBS 未名空间站 (Thu Feb 21 14:59:29 2019, 美东)
Joe Scarborough responded Thursday to the arrest of a lieutenant in the U.S.
Coast Guard, who is accused of plotting a mass domestic terror attack, by
laying the blame on President Donald Trump and his vitriolic rhetoric.
The co-host of MSNBC’s “Morning Joe” ― himself reportedly on a list of
Democratic lawmakers and media figures researched by w... 阅读全帖 |
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c**i
发帖数: 6973 | 44 【 以下文字转载自 Family 讨论区 】
发信人: choi (choi), 信区: Family
标 题: Unilateral No-Fault Divorce to Come to New York State
发信站: BBS 未名空间站 (Thu Jun 17 15:24:28 2010, 美东)
, which is the lone holdout in US. "Unilateral" means a spouse can invoke it
even though the other spouse does not want a divorce.
The following is a commentary to news that New York state is on the cusp of
enacting the law.
Stephanie Coontz, Divorce, No-Fault Style; The Case for Easier Marital
Splits in New York.
New York Times, June 17, 2 |
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w******0
发帖数: 43 | 45 Daxia,
I had an accident and got injury. My insurance company asked me to find a
doctor who handles no fault insurance.
Could your guys help me how to find no fault insurance doctor?
Thanks a million. |
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s**********d
发帖数: 36899 | 46 no-fault就是小事故的话自己保险赔自己，不管谁的fault。
不过你的policy不是的话对方应该是赔的？ |
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s**********d
发帖数: 36899 | 47
no-fault州自动的自己保险管自己的车，如果是对方fault。 |
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h****y
发帖数: 9234 | 48 en
When it comes to physical damage to your car or its contents, unlike compens
ation for bodily injury claims, insurance claims are still based on fault. T
hose claims are handled in the same way as those in a state with a fault law
n insurance. |
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X*******8
发帖数: 3895 | 49 我前面说了， At no fault一般是指人身伤害而言。财产损失还是At fault的。 |
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f******s
发帖数: 713 | 50 即使是严格no fault的州，事故造成的财产损失也是based on fault,否则你的
liability是干什么用的！ |
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