Let me elaborate. However, this guarantee of payment also prohibits your rights to sue other drivers. By having lower premiums, auto insurance becomes available to more people especially those of lesser means. Automatic claim payment should expedite the process after the accident. No-fault insurance punishes uninsured motorists.
Fewer lawsuits free the justice system for other matters.
On the other hand, there are drawbacks as well. There isn't any compensation for your pain and suffering. The other economic damages are limited by the policy. Bad drivers are protected since there isn't any incentive to drive well. It's nobody's fault.