Under this no-fault legislation, motorists who negligently or recklessly cause an accident that catastrophically injures or kills someone are not legally responsible for their acts.
Drivers file damage claims with their own insurers, without regard to who caused the accident.
In our traditional system, fault is apportioned and bad drivers pay for their mistakes through higher premiums. No-fault motorist bear less responsibility for their driving habits, which means good drivers pay for bad ones. Under this bill, a motorist's driving experience counts for absolutely nothing. The bad driver's premiums will not go up, and you may even have to sue your own insurance company to pay for your injuries. In traditional liability systems, where fault is determined, motorists have an incentive to drive safely.