host, thingstodo is right. "No Fault" is a specific term used in certain states. It's been misused a lot in this thread, but thingstodo has the right definition. host, you've described "Medical Payments" coverage on the GL form, and I know that there's a corresponding coverage on the Auto form, but I can't remember the name at the moment.
And "Bodily Injury" is "bodily injury, sickness or disease sustained by a person, including death resulting for any of these at any time" on the General Liability form. I don't have an Auto form handy, but I expect that the language is going to be very similar if not identical.
As for the rest of this thread, there's a lot of misinformation floating through it. I don't have the time or inclination to disprove all the errors, but suffice it to say that any insurance buyer needs to read their policy and understand their duties in claim reporting. Failure to report claims in a timely manner can leave you with no coverage since the insurer will have no duty to defend you. You can notify any insurance company for "record only" and let them know you will fix the car yourself. Every state gives you that right, and by notifying them you've protected yourself against what the other driver is going to do.
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