No-Fault Auto Insurance. What is a no-fault auto insurance program? How do no-fault insurance affect personal injury litigation? (Select the best answer below.) O A. No-fault insurance programs hold all drivers liable for causing the accident. In general, insurance companies in states with no-fault programs provide coverage up to specified limits to their respective policyholders for direct costs incurred due to bodily injury, medical bills, replacement of lost income due to an insured's inability to work, and funeral expenses. They typically do not pay for indirect expenses such as emotional distress or pain and suffering due to an accident. B. No-fault insurance programs do not hold a specific driver liable for causing the accident. In general, insurance companies in states with no-fault programs provide coverage up to specified limits to their respective policyholders for direct costs incurred due to bodily injury, medical bills, replacement of lost income due to an insured's inability to work, and funeral expenses. They typically do not pay for indirect expenses such as emotional distress or pain and suffering due to an accident. C. No-fault insurance programs hold a specific driver liable for causing the accident. In general, insurance companies in states with no-fault programs provide unlimited coverage to their respective policyholders for direct costs incurred due to bodily injury, medical bills, replacement of lost income due to an insured's inability to work, and funeral expenses. They typically do not pay for indirect expenses such as emotional distress or pain and suffering due to an accident. D. No-fault insurance programs do not hold a specific driver liable for causing the accident. In general, insurance companies in states with no-fault programs provide coverage up to specified limits to their respective policyholders for direct costs incurred due to emotional distress or pain and suffering due to an accident. They typically do not pay for indirect expenses such as bodily injury, medical bills, replacement of lost income due to an insured's inability to work, and funeral expenses. How do no-fault insurance affect personal injury litigation? (Select the best answer below.) O A. The intent is to avoid going to court and to avoid having to pay for any costs such as costs incurred due to bodily injury, medical bills, replacement of lost income due to an insured's inability to work, and funeral expenses. B. The intent is to avoid costly court battles in which each driver attempts to blame the other driver. O C. The intent is to encourage costly court battles in which each driver attempts to blame the other driver. D. The intent is to avoid costly court battles in which each driver attempts to take the blame for the accident