Accidents always happen for a reason and therefore could also be called collisions. But sometimes it is hard to determine the one particular act that caused a collision. If you are able to demonstrate that another driver has made a mistake while driving, then it is possible to argue that those actions could have caused an accident. Insurance companies offer no-fault coverage that allows for the elimination of the injury liability claims and lawsuits in small accidents. The no-fault coverage offers the direct compensation of medical bills and lost wages by the insurance company of the injured regardless of who is at fault for the accident.