In this volume two lawyers debate which kind of automobile insurance is the best, no-fault or tort liability. This text presents in one place all the legal, political, historical and financial arguments about the two types of auto insurance. Under the fault system currently used by 37 US states, tort law provides that the party at fault in the accident pays the full damages of accident victims. Phillips favours this system, arguing that it allows for fair compensation to the injured and deters drivers from dangerous behaviour on the road. Chippendale counters this claim with the argument that tort-law based insurance combines high cost and low benefits, and that those who truly profit from it are the lawyers representing injured clients, while their claims clog up the court system.