Do you live in one of the twelve no-fault states? Because policymakers in many states decided to change from a fault-based tort system to a no-fault system, the good driver no longer has to prove that the accident was someone else’s fault in order to get compensated.  His own insurance company picks up the medical bills and lost wages up to the amount of insurance he or she purchased.  The tradeoff, though, is that, in general, the injured person cannot sue the at-fault driver for medical bills, pain and suffering, emotional distress and inconvenience.  There are some exceptions, though: