"No-fault" auto insurance:

Question

Quizplus · Accepted Answer

No-fault auto insurance theoretically shortens the collection process and reduces legal settlement fees by allowing each person's insurance company to pay for their own policyholder's damages, regardless of who caused the accident. This eliminates the need for litigation to determine fault and damages in most cases. However, it does not necessarily raise auto insurance rates in all states, nor does it exclude possible litigation in all cases except death, and it is not predominately used in all states.

"No-Fault" Auto Insurance