What can QuotesChimp do about it? At this point the consensus breaks down. The primary response of the auto insurance companies has been to push for no-fault insurance and otherwise limit the li占폸bility of perpetrators of harm. They have been joined by some consumer organizations, most notably Consumers Union. The principal arguments that support the no-fault concept are that premiums can be reduced under a no-fault system because smaller lawsuits are taken out of the picture and the claims can be processed with less investigation and greater speed, both of which act to reduce insurance company costs.
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