Shouldn't we just abolish the whole idea of fault in our auto accident compensation system and just have people take care of their own damages, through their own auto insurance policies? After all, in

Shouldn't we just abolish the whole idea of fault in our auto accident compensation system and just have people take care of their own damages, through their own auto insurance policies? After all, insurance ends up paying anyway--why go through the time and expense of having to make a claim against the at-fault driver? 

based on your analysis of the issue, and should generally contain 2-3 paragraphs of discussion and analysis.