What is "no-fault insurance" meant to achieve?

No-fault insurance is designed to provide benefits for medical expenses, lost wages, and other related costs for individuals injured in an accident, regardless of who was at fault for causing the accident. This system aims to simplify the claims process and reduce the need for legal battles over fault, which can often be time-consuming and costly for all parties involved.

By ensuring that injured parties receive benefits regardless of liability, no-fault insurance enhances the speed and efficiency of claims handling and allows individuals to receive prompt medical care and support after an accident. This approach is particularly beneficial in fostering a more accessible system for those affected by injuries, allowing them to focus on recovery rather than legal disputes.

The other choices do not accurately reflect the principle of no-fault insurance, as they either misrepresent the intent behind such a system or refer to specific conditions that are not inherent to no-fault policies.