No fault auto insurance starts Jan. 1 1975. Under this law every car owner?s own insurance pays no matter who is at fault. The law applies only to bodily damage, not motor vehicle damage. The law has angered seniors who would pay premiums covering loss of earned income, when they don?t have earned income, thus they?d be paying for something they?re not getting. Andrew Whitman, insurance consultant, explains the provisions of the law, and objections to it. He says the no-fault portion is a small part of a typical premium. The law could be challenged due to a statute requiring that insurance rates not be unfairly discriminatory.