Around the world, there are two approaches to insurance. Where the local culture is based on an adversarial system, the injured run to the nearest court and ask a judge to decide who is the more at fault. This involves a complicated set of rules called tort, and leads to findings of negligence. Lawyers who specialize in this branch of the law tend to be wealthy. Where the approach to problem-solving is to sit down and talk sensibly, the courts are kept out of the way unless there's absolutely no other way of settling. This leads to the development of no-fault insurance. Essentially, this means that everyone has a contract of insurance and, if they suffer a loss, their own insurer pays out. It's not necessary to decide who was at fault. This means all claims are settled quickly and efficiently. It also means lawyers tend to be less wealthy.
At first, we decided we liked the law of tort and all the states used the courts to decide who was at fault in all traffic accidents. But, after a while, some lawmakers asked whether all this investment in fighting was a good use of the insurance companies' money. Surely a
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February 29th, 2012 
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