Irv, that is pretty general. Most LEO's I know tend to explain no-fault to the driver's as they need to contact their insurance company to handle their issue and the other driver will do the same. Tickets are given out for violations of traffic law, not because of some idea that insurance people will care about them. Too many civil lawyers have called me when I was working traffic and wanted me to side with their persons version of events and want me to say the other guy was 51% at fault.