Insurance owl::No Fault Insurance.

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Personal Insurance, (see life Insurance, or health Insurance).

no-fault insurance, type of indemnity plan, usually applied to automobile coverage, in which those injured in an accident receive direct payment from the company with which they themselves are insured.
Originated (1947) in Saskatchewan, Canada, no-fault insurance eliminates the need for accident victims to establish another's liability, or fault, through a civil lawsuit. Lawyers' groups oppose no-fault, saying that it limits the citizen's right to sue.
Supporters say that it leads to quicker settlement of accident claims and lower premium rates than the traditional tort liability system because it reduces legal fees and court costs. The first comprehensive no-fault plan in the United States was adopted (1971) in Massachusetts. Currently 13 states have no-fault auto insurance laws that in some way restrict the right of parties to file legal suits.
Provisions defining when a person can sue in no-fault states vary, but motorists can generally sue for severe injuries. Recently, however, rising insurance costs have led some states to reexamine the effectiveness of no-fault insurance laws

No fault insurance

No fault insurance is a type of automobile insurance where an insured need only prove that they were injured in an automobile accident (either damage to persons or damage to property) to recover under the policy. There is no need for them to prove that they were not at fault in the accident, or to prove another party was at fault in the accident. Many U.S. states and Canadian provinces operate under a "no fault" scheme where persons injured in automobile accidents are not allowed to sue other drivers or vehicle owners involved in an accident unless their injuries are particularly severe. No fault insurance is only available in jurisdictions which have a no fault scheme.
No fault insurance has the benefit of avoiding litigation over the cause of the accident, which historically has been difficult to prove due to conflicting evidence and eyewitness accounts. However, critics of no fault point out that it does not punish reckless or negligent drivers in litigation, and that it is particularly difficult to sue if a person's injuries leave them with a handicap.

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You need to take special care to ensure that the advice given applies to you country, state or jurisdiction.

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