Have you ever been in a car accident? Even if you haven't, inall likelihood if you asked 1,000 people about the insuranceprocess for a car accident they would tell you that first they mustdetermine who is At Fault. Well, in thirty-four of the fiftystates, they'd be correct. But the rest of the union does notutilize this Tort system for determining insurance payouts. Insteadthey use the “No Fault” system. Rather than spend needless hours oflitigation determining who was “at fault” for the accident, the nofault system allows each driver's own insurance company to coverthe costs of their accidents (injuries and damage) up to certainlimits. To many, this may seem unfair, but it produces quickerpayments and a far less strained process. Living in a no faultsystem requires a different approach to