New York's “no-fault” insurance law has been in existence now going on four decades.

And, for four decades now, it has proved itself to be totally unfair to those hurt as a result of vehicle collisions labeled “accidents.”

Ninety-nine percent of these so called “accidents” were the end result of irresponsibly bad driving.

Who ends up paying the price for bad driving? Those hurt as a result of the bad driving, of course.

For all the aches and pains suffered as the result of bad drivers, most innocent victims receive not one red cent monetary compensation.

Even when a pedestrian is struck by a motor vehicle it's labeled under “no fault.”

Even though the motorist is ticketed for being at fault, it's labeled “no fault.” What a joke! So let me see if I've got this straight.

• Good drivers are charged a good buck for vehicle insurance.

• Bad drivers get charged more than a good buck.

• Insurance companies are obviously making a good buck as a result.

• With all the money being paid into motor vehicle insurance why are the insurance companies then allowed to reap huge profits and not pay those hurt and not at fault in any way, one red cent?

Broken bones, death, crippling injuries should not be the only factors as to monetary compensation in “no fault.”

The bottom line is that the insurance companies were given the opportunity by New York state to reap bigger profits by denying monetary compensation to those injured but not serious enough according to “no fault.”

That's not only downright shameful and corrupt but it's a slap in the face to the average citizen who pays outrageous amounts of money for not only insurance but car repairs and gas as well.

I have a new name for “no fault.” It's called “no justice.” That's because those not at fault are who insurance companies always give the short end of justice to. Shame on New York state for allowing such a sinful corrupt law.

Murray Lynch

Auburn