INSURANCE: The Senate Buys No-Fault

For victims of automobile accidents, recovering from injuries is often easier than recovering from the insurance company. Because blame for an accident must be determined before claims are settled in most states, motorists frequently face costly court battles and years of delay before receiving compensation for their pains. One-fourth of all accident victims never collect a dime. Last week Congress took a first step to ward remedying that situation. After heated debate, the Senate passed (53-42) and sent to the House a national no-fault auto insurance bill.

Since Massachusetts pioneered compulsory no-fault insurance at the state level in 1971, the...