What are "no-fault" auto insurance laws designed to do?

"No-fault" auto insurance laws are specifically designed to allow drivers to claim damages from their own insurance company regardless of who was at fault for the accident. This system aims to simplify the claims process and reduce the need for litigation over fault determination, leading to quicker compensation for injuries and damages sustained in an accident. Under this type of insurance, each party's own insurer typically pays for their medical expenses and related costs, which helps ensure that individuals receive timely assistance without the added stress of assigning blame.

The intention behind no-fault insurance is to promote a more efficient handling of claims and minimize the backlog of cases in the judicial system. This approach seeks to alleviate some burden from courts and make the process more streamlined for both insurers and insured individuals.