What are the pros and cons of no-fault laws?

Arguments Against No-Fault Auto Insurance

Since the 1970s, the primary thrust of opposition to no-fault auto insurance has come from trial lawyers. In 1976, the last year in which a state passed a no-fault law1, lawyers gave a quarter of a million dollars to Congressional candidates who opposed or were likely to oppose no-fault measures. Two years later, the Association of Trial Lawyers of America blocked a bill that would have set federal standards for state no-fault laws. More recently, as no-fault legislation has been debated in state legislatures, the opposition of lawyers has continued.

Unfortunately, opposition to no-fault auto insurance is an issue on which it is sometimes easy to manipulate public opinion. The idea of no-fault offends some people who think that it would mean a change to a system under which at-fault drivers would get off instead of paying for the damage they have caused. This is a simplistic view. Get direct auto insurance quotes.

To begin with, most accidents are not caused by reckless and irresponsible drivers. The average driver makes one driving mistake every two miles. The typical accident occurs when two drivers simultaneously make a simple mistake. The fault system devotes a lot of expense and time to determining fault in situations where common sense would indicate that neither driver was behaving irresponsibly. A no-fault system recognizes this fact of life of the automobile era and assigns the highest priority to seeing that the medical expenses of injured parties are promptly paid for. Find discount auto insurance rates online.

Irresponsible drivers, who flout traffic laws or drive while intoxicated, do not go free in no-fault auto insurance states. In so far as their actions are illegal, they are punished by the criminal justice system. Also if their actions cause serious injury, they can be sued in court. Further, no-fault laws typically allow for suits against drunk and reckless drivers, regardless of whether there is serious injury.

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