Intended to create a faster, more efficient payment of claims.
After an accident people can concentrate on rehab and being productive, not staying injured to increase or legitimatize their injuries.
Potentially lower insurance rates.
No longer have to supplement for uninsured motorists.
Could stop insurance companies from overpaying small claims (and raising rates) to avoid lawsuits.
With it, you don't have to sue to get a legitimate injury covered.
Unfair claims settlement practices acts often do not extend the same rights to you if you're making a claim against another driver's insurance as opposed to making a claim under your own insurance policy.
I recommend
Comparison Market, they offer online binding, a dependable interface and many top rated carriers. You can get a good prices regardless of if your State is no-fault or not.