What is the primary purpose of no-fault auto insurance?

The primary purpose of no-fault auto insurance is indeed to lower insurance costs by reducing litigation. In a no-fault system, each driver's own insurance covers their medical expenses and other losses, regardless of who was at fault in the accident. This approach minimizes the need for lengthy and costly legal battles to establish liability. By doing so, it streamlines the claims process, allowing victims to receive prompt compensation for their injuries without the hurdles or delays that often accompany determining fault.

This system aims to keep premiums lower for consumers by reducing the overall costs associated with legal disputes and ensuring that insurance companies can process claims more efficiently. It helps maintain a focus on providing medical care and support to those injured in accidents without the added stress of potential lawsuits, contributing to a more efficient and less adversarial system of handling auto-related injuries.