How does no-fault insurance affect a personal auto claim?

No-fault insurance is designed to simplify the claims process following an automobile accident by allowing insured drivers to receive benefits for their own medical expenses and other losses without needing to establish who was at fault for the accident. This means that individuals can file claims directly with their own insurance companies, which can lead to faster recovery for expenses related to medical care, lost wages, and other financial impacts resulting from the accident.

Because of this framework, drivers can avoid the lengthy and often contentious process of determining fault, which can delay the handling of claims and recovery. As a result, option B accurately reflects the essence of no-fault insurance by emphasizing that it facilitates claims for expenses without the need to assign blame, thereby streamlining the recovery process for all parties involved.

The remaining choices do not capture the fundamental purpose of no-fault insurance. For instance, insured drivers are still able to make claims under a no-fault system, and it generally does not limit the amount provided for medical costs but rather establishes a specific structure for recovery. Furthermore, a no-fault system typically minimizes the requirement for legal action, emphasizing efficiency and direct compensation instead of necessitating court proceedings for every claim.