What is the primary feature of no-fault insurance?

The primary feature of no-fault insurance is that both parties involved in an accident use their own insurance for coverage, regardless of who was at fault. This system is designed to streamline the claim process, reducing the need for lengthy lawsuits and disputes over liability. It allows for quicker compensation for medical expenses and lost wages, as each driver's own insurance handles their claims directly.

In this system, the emphasis is placed on providing necessary care and compensation without determining fault, which can often delay resolution and lead to increased legal costs. By using their own insurance, policyholders can receive faster support, fostering a more efficient approach to handling auto accidents.

Other options do not accurately describe no-fault insurance. For instance, suing for damages is more common in fault-based systems, and coverage extends beyond just vehicle damage to include medical expenses for injuries. Additionally, no-fault insurance is not available in all states, as it varies regionally, further solidifying that the correct understanding focuses on the mutual use of personal insurance after accidents.