Re: That isn't how no-fault works
"If you are sitting at a stoplight and someone rear ends you, they will be 100% at fault and their insurance rates will go up and yours won't."
If only. In the UK if you are sat in the car (at a junction, roundabout etc..) and someone rear ends you, even if they admit full responsibility your insurance costs still go up significantly at the next renewal date (apparently because you are a higher risk of having a second accident).