Introduction
Introduction
Across the country, consumers are increasingly confused, if not outright angry, about why their auto insurance rates keep rising. The insurance industry argues that rates are high because of escalating auto-repair charges, medical-care costs and attorneys' fees. Insurers say the best way to control costs is to replace the current liability system with no-fault coverage, in which drivers limit their ability to sue in exchange for lower rates. However, critics say there are many steps the industry could take right now to bring rates down, and some even question whether no-fault plans really would reduce costs.