The reason U.S. court dockets are chocked with auto-accident claims is traceable directly to the hoary rule of "fault"-the idea that a victim can collect only if he was not negligent and the defendant was. Because these issues are often hotly disputed, a deserving victim may have to haggle for years before getting his just award-and then he may have to share about one-third of it with his lawyer. The costly, complex process has been steadily boosting the price of auto insurance, but the amount paid out in accident awards remains far less than the 50ยข of each dollar...
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